AN ACH return is a rejection of an ACH transaction. For example, an ACH debit may be returned if there is insufficient funds in the bank account being debited.
Merchant Responsibilities related to ACH Returns
The merchant should have processes in place to manage the following when processing ACH transactions:
Regularly review ACH Returns, root causing why they occurred and how to prevent future returns
Implement logic to ensure transactions meet NACHA's retry rules
Ensure the ACH program is staying below NACHA return rate thresholds
Manage Notifications of Change (NOCs)
Handing POA requests
Request WSUDs, where applicable
ACH Return Reporting
ACH reporting will be received either by the ACH Return File, if using file-based ACH, or the Daily Exceptions Report, if using the ACH API. Note that if you are using the ACH API, you may request the ACH Return File in addition to the Daily Exceptions Report by emailing [email protected]. Review the returns and the return reasons to root cause why the returns are occurring, and how they can be avoided in the future.
Information on ACH Return Reason Codes can be found here.
Retrying Transactions with Returns
For returned entries other than RCK entries, the NACHA Operating Rules only permit reinitiating a returned entry if:
The entry has been returned for insufficient or uncollected funds
IMPORTANT: The entry can only be reinitiated a maximum of two times following the return of the original entry
The entry has been returned for stopped payment and reinitiation has been authorized by the Receiver
The merchant has taken corrective action to remedy the reason for the return.
NACHA Return Rate Thresholds
When originating ACH debits, merchants are responsible for monitoring their compliance with NACHA’s “ACH Network Risk and Enforcement Rule”, which established an unauthorized return rate threshold of 0.5%, an administrative return rate threshold of 3.0%, and an overall return rate threshold of 15.0%.
Unauthorized Return Rate: the rate at which a Client’s debit Entries are returned on the basis that they were unauthorized (Return Reason Codes R05, R07, R10, R11, R29, or R51)
Administrative Return Rate: the rate at which a Client’s debit Entries are returned for administrative reasons (Return Reason Codes R02, R03, or R04)
Overall Return Rate: the rate at which a Client’s debit Entries, excluding RCK Entries, are returned, regardless of reason
Merchants’ ACH programs are required to stay below these thresholds to remain compliant with NACHA’s rules. These thresholds are measured over a rolling 60-day period. To calculate these thresholds, divide the total count of returns in a rolling 60-day period for the relevant return codes by the total count of forward debits in a rolling 60 day period.
If a merchant is above the aforementioned thresolds, the ACH program is at risk of being suspended. TabaPay may require that the merchant provide a detailed remediation plan to remain in compliance with NACHA and Bank expectations.
Notification of Change (NOC) Process
Notification of Change (NOC) is a non-dollar entry transmitted by the Receiving Depository Financial Institution to notify the ACH Originator that information in the originated ACH is erroneous and/or is outdated and must be changed. In the instance of a received NOC, the merchant will see the NOC via the daily ACH Returns file (or Exceptions file when using the ACH API). The ACH Rules require the ACH Originator to make the requested changes within 6 business days of receipt of the NOC or prior to the next ACH entry, whichever is later.
Therefore, the merchant must have a process in place to review the ACH returns daily and correct the information as required by the return code reason. The NOC return codes have a 'C' prefix; see this table for a list of NOC return codes and their descriptions.
Request for Proof of Authorization (POA)
The bank may contact TabaPay asking that the merchant provide proof of authorization (POA) for an ACH debit. The merchant must provide POA within 10 calendar days from when the bank received the request. Otherwise, the merchant will accept liability for the return. If the merchant does not have POA, they need to modify their upstream process to ensure they are capturing authorization from the customer before initiating any ACH debits.
Upon receiving a POA request, gather all relevant transaction details, including: the original authorization form (e.g., signed document, verbal authorization recording, or electronic authorization), date and time of the transaction, customer details (name, account number, etc.), and any additional evidence that the customer authorized the debit. Merchants must verify the customer’s authorization was valid and obtained correctly, and that all documentation is completed and accessible.
Written Statement of Unauthorized Debits (WSUD)
While there is no dispute process for ACH returns as there is for card transactions, there are instances where merchants can submit documentation to request a Written Statement of Unauthorized Debits (WSUD) when an unauthorized return occurs. When requested, the RFDI (institution where the debited bank account is from) is required to answer within 10 banking days. If you would like to request to go through the WSUD process, please submit the request to [email protected] and include the following information:
Trace Number
Settlement Date
Receiver Name
Amount of transaction
Unauthorized Return Code
Updated 3 months ago
\n\n### ACH Return Reporting\n\nACH reporting will be received either by the [ACH Return File](https://developers.tabapay.com/docs/ach-via-file#ach-return-file-format), if using file-based ACH, or the [Daily Exceptions Report](https://developers.tabapay.com/docs/exceptions), if using the ACH API. Note that if you are using the ACH API, you may request the ACH Return File in addition to the Daily Exceptions Report by emailing [help@tabapay.com.](mailto:help@tabapay.com.) Review the returns and the return reasons to root cause why the returns are occurring, and how they can be avoided in the future.\n\nInformation on ACH Return Reason Codes can be found [here](https://developers.tabapay.com/docs/overview-of-ach#ach-return-codes).\n\n \n\n### Retrying Transactions with Returns\n\nFor returned entries other than RCK entries, the NACHA Operating Rules only permit reinitiating a returned entry if: \n\n1. The entry has been returned for insufficient or uncollected funds\n 1. **IMPORTANT: The entry can only be reinitiated a maximum of two times following the return of the original entry**\n2. The entry has been returned for stopped payment and reinitiation has been authorized by the Receiver\n3. The merchant has taken corrective action to remedy the reason for the return. \n\n \n\n### NACHA Return Rate Thresholds\n\nWhen originating ACH debits, merchants are responsible for monitoring their compliance with NACHA’s “ACH Network Risk and Enforcement Rule”, which established an unauthorized return rate threshold of 0.5%, an administrative return rate threshold of 3.0%, and an overall return rate threshold of 15.0%.\n\n**Unauthorized Return Rate:** the rate at which a Client’s debit Entries are returned on the basis that they were unauthorized (Return Reason Codes R05, R07, R10, R11, R29, or R51)\n\n**Administrative Return Rate:** the rate at which a Client’s debit Entries are returned for administrative reasons (Return Reason Codes R02, R03, or R04) \n\n**Overall Return Rate:** the rate at which a Client’s debit Entries, excluding RCK Entries, are returned, regardless of reason\n\nMerchants’ ACH programs are required to stay below these thresholds to remain compliant with NACHA’s rules. These thresholds are measured over a rolling 60-day period. To calculate these thresholds, divide the total count of returns in a rolling 60-day period for the relevant return codes by the total count of forward debits in a rolling 60 day period. \n\nIf a merchant is above the aforementioned thresolds, the ACH program is at risk of being suspended. TabaPay may require that the merchant provide a **detailed** remediation plan to remain in compliance with NACHA and Bank expectations. \n\n \n\n### Notification of Change (NOC) Process\n\nNotification of Change (NOC) is a non-dollar entry transmitted by the Receiving Depository Financial Institution to notify the ACH Originator that information in the originated ACH is erroneous and/or is outdated and must be changed. In the instance of a received NOC, the merchant will see the NOC via the daily ACH Returns file (or Exceptions file when using the ACH API). The ACH Rules require the ACH Originator to make the requested changes within 6 business days of receipt of the NOC or prior to the next ACH entry, whichever is later.\n\nTherefore, the merchant must have a process in place to review the ACH returns daily and correct the information as required by the return code reason. The NOC return codes have a 'C' prefix; see [this table](https://developers.tabapay.com/docs/overview-of-ach#noc-correction-cor-codes) for a list of NOC return codes and their descriptions. \n\n \n\n### Request for Proof of Authorization (POA)\n\nThe bank may contact TabaPay asking that the merchant provide proof of authorization (POA) for an ACH debit. The merchant must provide POA within 10 calendar days from when the bank received the request. Otherwise, the merchant will accept liability for the return. If the merchant does not have POA, they need to modify their upstream process to ensure they are capturing authorization from the customer before initiating any ACH debits. \n\nUpon receiving a POA request, gather all relevant transaction details, including: the original authorization form (e.g., signed document, verbal authorization recording, or electronic authorization), date and time of the transaction, customer details (name, account number, etc.), and any additional evidence that the customer authorized the debit. Merchants must verify the customer’s authorization was valid and obtained correctly, and that all documentation is completed and accessible.\n\n \n\n### Written Statement of Unauthorized Debits (WSUD)\n\nWhile there is no dispute process for ACH returns as there is for card transactions, there are instances where merchants can submit documentation to request a Written Statement of Unauthorized Debits (WSUD) when an unauthorized return occurs. When requested, the RFDI (institution where the debited bank account is from) is required to answer within 10 banking days. If you would like to request to go through the WSUD process, please submit the request to [TabapayRisk@tabapay.com](mailto:TabapayRisk@tabapay.com) and include the following information:\n\n* Trace Number\n* Settlement Date\n* Receiver Name\n* Amount of transaction\n* Unauthorized Return Code","excerpt":null,"link":{"url":null,"new_tab":false},"next":{"description":null,"pages":[]}},"metadata":{"description":null,"image":{"uri":null,"url":null},"keywords":null,"title":null},"parent":{"uri":"/branches/74473/guides/overview-of-ach"},"privacy":{"view":"public"},"slug":"ach-returns","state":"current","title":"ACH Returns","type":"basic","href":{"dash":"https://dash.readme.com/project/beginbagend/v74473/docs/ach-returns","hub":"https://developers.tabapay.com/docs/ach-returns"},"links":{"project":"/projects/me"},"project":{"name":"TabaPay Developers","subdomain":"beginbagend","uri":"/projects/me"},"renderable":{"status":true},"updated_at":"2025-04-24T02:57:10.607Z","uri":"/branches/74473/guides/ach-returns"},"meta":{"baseUrl":"/","description":"AN ACH return is a rejection of an ACH transaction. For example, an ACH debit may be returned if there is insufficient funds in the bank account being debited.\nMerchant Responsibilities related to ACH Returns\nThe merchant should have processes in place to manage the following when processing ACH tra…","hidden":false,"image":[],"metaTitle":"ACH Returns","robots":"index","slug":"ach-returns","title":"ACH Returns","type":"docs"},"rdmd":{"baseUrl":"/","body":"AN ACH return is a rejection of an ACH transaction. For example, an ACH debit may be returned if there is insufficient funds in the bank account being debited. \n\n## Merchant Responsibilities related to ACH Returns\n\nThe merchant should have processes in place to manage the following when processing ACH transactions: \n\n* Regularly review ACH Returns, root causing why they occurred and how to prevent future returns\n* Implement logic to ensure transactions meet NACHA's retry rules\n* Ensure the ACH program is staying below NACHA return rate thresholds\n* Manage Notifications of Change (NOCs)\n* Handing POA requests\n* Request WSUDs, where applicable\n\n \n\n### ACH Return Reporting\n\nACH reporting will be received either by the [ACH Return File](https://developers.tabapay.com/docs/ach-via-file#ach-return-file-format), if using file-based ACH, or the [Daily Exceptions Report](https://developers.tabapay.com/docs/exceptions), if using the ACH API. Note that if you are using the ACH API, you may request the ACH Return File in addition to the Daily Exceptions Report by emailing [help@tabapay.com.](mailto:help@tabapay.com.) Review the returns and the return reasons to root cause why the returns are occurring, and how they can be avoided in the future.\n\nInformation on ACH Return Reason Codes can be found [here](https://developers.tabapay.com/docs/overview-of-ach#ach-return-codes).\n\n \n\n### Retrying Transactions with Returns\n\nFor returned entries other than RCK entries, the NACHA Operating Rules only permit reinitiating a returned entry if: \n\n1. The entry has been returned for insufficient or uncollected funds\n 1. **IMPORTANT: The entry can only be reinitiated a maximum of two times following the return of the original entry**\n2. The entry has been returned for stopped payment and reinitiation has been authorized by the Receiver\n3. The merchant has taken corrective action to remedy the reason for the return. \n\n \n\n### NACHA Return Rate Thresholds\n\nWhen originating ACH debits, merchants are responsible for monitoring their compliance with NACHA’s “ACH Network Risk and Enforcement Rule”, which established an unauthorized return rate threshold of 0.5%, an administrative return rate threshold of 3.0%, and an overall return rate threshold of 15.0%.\n\n**Unauthorized Return Rate:** the rate at which a Client’s debit Entries are returned on the basis that they were unauthorized (Return Reason Codes R05, R07, R10, R11, R29, or R51)\n\n**Administrative Return Rate:** the rate at which a Client’s debit Entries are returned for administrative reasons (Return Reason Codes R02, R03, or R04) \n\n**Overall Return Rate:** the rate at which a Client’s debit Entries, excluding RCK Entries, are returned, regardless of reason\n\nMerchants’ ACH programs are required to stay below these thresholds to remain compliant with NACHA’s rules. These thresholds are measured over a rolling 60-day period. To calculate these thresholds, divide the total count of returns in a rolling 60-day period for the relevant return codes by the total count of forward debits in a rolling 60 day period. \n\nIf a merchant is above the aforementioned thresolds, the ACH program is at risk of being suspended. TabaPay may require that the merchant provide a **detailed** remediation plan to remain in compliance with NACHA and Bank expectations. \n\n \n\n### Notification of Change (NOC) Process\n\nNotification of Change (NOC) is a non-dollar entry transmitted by the Receiving Depository Financial Institution to notify the ACH Originator that information in the originated ACH is erroneous and/or is outdated and must be changed. In the instance of a received NOC, the merchant will see the NOC via the daily ACH Returns file (or Exceptions file when using the ACH API). The ACH Rules require the ACH Originator to make the requested changes within 6 business days of receipt of the NOC or prior to the next ACH entry, whichever is later.\n\nTherefore, the merchant must have a process in place to review the ACH returns daily and correct the information as required by the return code reason. The NOC return codes have a 'C' prefix; see [this table](https://developers.tabapay.com/docs/overview-of-ach#noc-correction-cor-codes) for a list of NOC return codes and their descriptions. \n\n \n\n### Request for Proof of Authorization (POA)\n\nThe bank may contact TabaPay asking that the merchant provide proof of authorization (POA) for an ACH debit. The merchant must provide POA within 10 calendar days from when the bank received the request. Otherwise, the merchant will accept liability for the return. If the merchant does not have POA, they need to modify their upstream process to ensure they are capturing authorization from the customer before initiating any ACH debits. \n\nUpon receiving a POA request, gather all relevant transaction details, including: the original authorization form (e.g., signed document, verbal authorization recording, or electronic authorization), date and time of the transaction, customer details (name, account number, etc.), and any additional evidence that the customer authorized the debit. Merchants must verify the customer’s authorization was valid and obtained correctly, and that all documentation is completed and accessible.\n\n \n\n### Written Statement of Unauthorized Debits (WSUD)\n\nWhile there is no dispute process for ACH returns as there is for card transactions, there are instances where merchants can submit documentation to request a Written Statement of Unauthorized Debits (WSUD) when an unauthorized return occurs. When requested, the RFDI (institution where the debited bank account is from) is required to answer within 10 banking days. If you would like to request to go through the WSUD process, please submit the request to [TabapayRisk@tabapay.com](mailto:TabapayRisk@tabapay.com) and include the following information:\n\n* Trace Number\n* Settlement Date\n* Receiver Name\n* Amount of transaction\n* Unauthorized Return Code","dehydrated":{"toc":"","body":"
AN ACH return is a rejection of an ACH transaction. For example, an ACH debit may be returned if there is insufficient funds in the bank account being debited.
\n
Merchant Responsibilities related to ACH Returns
\n
The merchant should have processes in place to manage the following when processing ACH transactions:
\n
\n
Regularly review ACH Returns, root causing why they occurred and how to prevent future returns
\n
Implement logic to ensure transactions meet NACHA's retry rules
\n
Ensure the ACH program is staying below NACHA return rate thresholds
\n
Manage Notifications of Change (NOCs)
\n
Handing POA requests
\n
Request WSUDs, where applicable
\n
\n \n
ACH Return Reporting
\n
ACH reporting will be received either by the ACH Return File, if using file-based ACH, or the Daily Exceptions Report, if using the ACH API. Note that if you are using the ACH API, you may request the ACH Return File in addition to the Daily Exceptions Report by emailing help@tabapay.com. Review the returns and the return reasons to root cause why the returns are occurring, and how they can be avoided in the future.
\n
Information on ACH Return Reason Codes can be found here.
\n \n
Retrying Transactions with Returns
\n
For returned entries other than RCK entries, the NACHA Operating Rules only permit reinitiating a returned entry if:
\n\n
The entry has been returned for insufficient or uncollected funds\n\n
IMPORTANT: The entry can only be reinitiated a maximum of two times following the return of the original entry
\n\n
\n
The entry has been returned for stopped payment and reinitiation has been authorized by the Receiver
\n
The merchant has taken corrective action to remedy the reason for the return.
\n\n \n
NACHA Return Rate Thresholds
\n
When originating ACH debits, merchants are responsible for monitoring their compliance with NACHA’s “ACH Network Risk and Enforcement Rule”, which established an unauthorized return rate threshold of 0.5%, an administrative return rate threshold of 3.0%, and an overall return rate threshold of 15.0%.
\n
Unauthorized Return Rate: the rate at which a Client’s debit Entries are returned on the basis that they were unauthorized (Return Reason Codes R05, R07, R10, R11, R29, or R51)
\n
Administrative Return Rate: the rate at which a Client’s debit Entries are returned for administrative reasons (Return Reason Codes R02, R03, or R04)
\n
Overall Return Rate: the rate at which a Client’s debit Entries, excluding RCK Entries, are returned, regardless of reason
\n
Merchants’ ACH programs are required to stay below these thresholds to remain compliant with NACHA’s rules. These thresholds are measured over a rolling 60-day period. To calculate these thresholds, divide the total count of returns in a rolling 60-day period for the relevant return codes by the total count of forward debits in a rolling 60 day period.
\n
If a merchant is above the aforementioned thresolds, the ACH program is at risk of being suspended. TabaPay may require that the merchant provide a detailed remediation plan to remain in compliance with NACHA and Bank expectations.
\n \n
Notification of Change (NOC) Process
\n
Notification of Change (NOC) is a non-dollar entry transmitted by the Receiving Depository Financial Institution to notify the ACH Originator that information in the originated ACH is erroneous and/or is outdated and must be changed. In the instance of a received NOC, the merchant will see the NOC via the daily ACH Returns file (or Exceptions file when using the ACH API). The ACH Rules require the ACH Originator to make the requested changes within 6 business days of receipt of the NOC or prior to the next ACH entry, whichever is later.
\n
Therefore, the merchant must have a process in place to review the ACH returns daily and correct the information as required by the return code reason. The NOC return codes have a 'C' prefix; see this table for a list of NOC return codes and their descriptions.
\n \n
Request for Proof of Authorization (POA)
\n
The bank may contact TabaPay asking that the merchant provide proof of authorization (POA) for an ACH debit. The merchant must provide POA within 10 calendar days from when the bank received the request. Otherwise, the merchant will accept liability for the return. If the merchant does not have POA, they need to modify their upstream process to ensure they are capturing authorization from the customer before initiating any ACH debits.
\n
Upon receiving a POA request, gather all relevant transaction details, including: the original authorization form (e.g., signed document, verbal authorization recording, or electronic authorization), date and time of the transaction, customer details (name, account number, etc.), and any additional evidence that the customer authorized the debit. Merchants must verify the customer’s authorization was valid and obtained correctly, and that all documentation is completed and accessible.
\n \n
Written Statement of Unauthorized Debits (WSUD)
\n
While there is no dispute process for ACH returns as there is for card transactions, there are instances where merchants can submit documentation to request a Written Statement of Unauthorized Debits (WSUD) when an unauthorized return occurs. When requested, the RFDI (institution where the debited bank account is from) is required to answer within 10 banking days. If you would like to request to go through the WSUD process, please submit the request to TabapayRisk@tabapay.com and include the following information:
\n
\n
Trace Number
\n
Settlement Date
\n
Receiver Name
\n
Amount of transaction
\n
Unauthorized Return Code
\n
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This value is generated by the client (the caller of the TabaPay API)."},{"_id":"682ca92898ad2b00181155ce","term":"ClientID","definition":"Your unique 22-character string issued during onboarding. This value is used in your URLs for TabaPay APIs. For questions on what string to use, ask TabaPay support."},{"_id":"682ca92898ad2b00181155cd","term":"RejectDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *DISALLOW* any duplicate cards to be added in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cc","term":"OKToAddDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *ALLOW* account creation using a duplicate card already stored in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cb","term":"Device","definition":"Represents payment card data. Generated from a PCI-compliant device. In API requests, use the JSON object \"card.device\". 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For *pull* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c6","term":"Source Account ID","definition":"22-character TabaPay Account ID. For *push* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c5","term":"Source Account","definition":"Refers to the JSON object \"sourceAccount\". Incompatible with \"sourceAccountID\"."},{"_id":"682ca92898ad2b00181155c4","term":"Destination Account","definition":"Refers to the JSON object \"destinationAccount\". Incompatible with \"destinationAccountID\""},{"_id":"682ca92898ad2b00181155c3","term":"Corresponding Transaction ID","definition":"The transactionID of the corresponding transaction. For a *pull*, the corresponding *push* transactionID. For a *push*, the corresponding *pull* transactionID. Incompatible with the \"corresponding\" JSON object."},{"_id":"682ca92898ad2b00181155c2","term":"Security Code","definition":"3-4 digits."},{"_id":"682ca92898ad2b00181155c1","term":"Account ID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b00181155c0","term":"Duplicate Card Check","definition":"Upon using the proper query strings (?RejectDuplicateCard, ?OKToAddDuplicateCard), prevents (or allows) creating an account with a card already stored in TabaPay's Card Vault."},{"_id":"682ca92898ad2b00181155bf","term":"DeleteDuplicateCard","definition":"A Query String for the Delete Account API. Required if using Duplicate Card Check. Do not provide a value for this query string. Just append ?DeleteDuplicateCard to your URL"},{"_id":"682ca92898ad2b00181155be","term":"TabaPay","definition":"Did you know TABA stands for There And Back Again (subtitle to The Hobbit). TABA. Round trip payments. Push and Pull. It all makes sense, doesn't it?!"},{"_id":"682ca92898ad2b00181155bd","term":"Payment Card Not Encrypted","definition":"Card in the clear. Refers to JSON fields within a JSON \"card\" object: \"accountNumber\" and \"expirationDate\" (Documentation will note when to optionally include \"securityCode\")"},{"_id":"682ca92898ad2b00181155bc","term":"Version","definition":"A required URL path parameter within our APIs. The format of the Version is: the letter 'v' followed by the version number (e.g. v1, v2, etc). To see the supported versions for a specific API, refer to the specific API reference page. All APIs require a version in the URL path."},{"_id":"682ca92898ad2b00181155bb","term":"settlementAccountID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: \n- The \"destinationAccountID\" field (for pull transactions only) or \n- The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155ba","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for pull transactions only) or - The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155b9","term":"SubClientID","definition":"A 4, 6, or 8-digit value, specifying a program under a client. If you're unsure what value to use, ask TabaPay support. You may need to append this value to your ClientID with the \"_\" character as a separator (i.e. ClientID_SubClientID) within your API URL"},{"_id":"682ca92898ad2b00181155b8","term":"avsID","definition":"Unique ID associated with the verification request for an address of a payment card."},{"_id":"682ca92898ad2b00181155b7","term":"FQDN","definition":"Fully qualified domain name. Replace FQDN with the appropriate domain. Ensure the domain you're using is consistent with the environment you're testing in (sandbox, production, etc.)."},{"_id":"682ca92898ad2b00181155b6","term":"AVS","definition":"Address Verification Service. Used to verify the address of a payment card with the issuing institution."},{"_id":"682ca92898ad2b00181155b5","term":"OFAC","definition":"Office of Foreign Asset Control. Enforces sanctions based on foreign policy and national security goals against specific entities, countries, terrorists, narcotics traffickers, and those involved in weapons proliferation, to help safeguard US security, policy or the economy."},{"_id":"682ca92898ad2b00181155b4","term":"ANI","definition":"Account Name Inquiry (ANI) enables an account cardholder’s name to be checked against the name held by their Issuing bank."},{"_id":"682ca92898ad2b00181155b3","term":"Acquirer","definition":"A financial institution or payment processor that facilitates and processes credit or debit card transactions on behalf of merchants, and plays a role in authorizing and settling transactions, moving funds from the customer's account to the merchant's account along the payments network."},{"_id":"682ca92898ad2b00181155b2","term":"BIN","definition":"Bank Identification Number (BIN) is a unique set of four to eight digits on a payment card."},{"_id":"682ca92898ad2b00181155b1","term":"Beneficiary","definition":"An individual or entity designated to receive funds from a payout, disbursement, or push transaction."},{"_id":"682ca92898ad2b00181155b0","term":"Boarding","definition":"Refers to when a client begins their integration steps to go live with TabaPay."},{"_id":"682ca92898ad2b00181155af","term":"B2C","definition":"Business-to-consumer (B2C) is a type of transaction flow or model where commerce and relationships conducted are between a businesses and a customer."},{"_id":"682ca92898ad2b00181155ae","term":"disbursement","definition":"A payment flow that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ad","term":"payout","definition":"A transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ac","term":"Sender","definition":"An individual or entity who is sending funds to a beneficiary."},{"_id":"682ca92898ad2b00181155ab","term":"Capture","definition":"Completing and recording an authorized financial transaction to secure the funds from the customer's account and ensure the payment is successfully processed."},{"_id":"682ca92898ad2b00181155aa","term":"card","definition":"A physical or digital payment device issued by financial institutions to enable a cardholder to access funds in the assigned bank account or line of credit."},{"_id":"682ca92898ad2b00181155a9","term":"chip card","definition":"An EMV card with a microchip that provides a security layer by creating a unique transaction code for each payment for in-person transactions."},{"_id":"682ca92898ad2b00181155a8","term":"digital wallet","definition":"A virtual repository that stores payment methods or funds that allows contactless payments like near-field communication (NFC) technology, electronic transfers."},{"_id":"682ca92898ad2b00181155a7","term":"issuer","definition":"The bank or financial institution that provides a card to the cardholder, authorizing the card's use for transactions and oversees the card's activities."},{"_id":"682ca92898ad2b00181155a6","term":"Me2Me","definition":"Refers to a type of payment flow where an account holder transfers funds from one account to another account they own."},{"_id":"682ca92898ad2b00181155a5","term":"money transmission","definition":"The process of transferring funds from one person or entity to another, often through different financial services or systems. It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. PGP is used for securing emails, files, and directories."},{"_id":"682ca92898ad2b0018115555","term":"SFTP","definition":"Secure File Transfer Protocol securely transfers files over a network, encrypting both commands and data, typically via Transmission Control Protocol (TCP) port 22."},{"_id":"682ca92898ad2b0018115554","term":"CVV2","definition":"Card Verification Value is the static code printed on a card used to verify card possession in card-not-present transactions."},{"_id":"682ca92898ad2b0018115553","term":"SCA","definition":"Strong Customer Authentication is a set of security requirements under Payment Services Directive (PSD2) that requires multi-factor authentication for electronic payments to enhance security and reduce fraud."},{"_id":"682ca92898ad2b0018115552","term":"PSD2","definition":"Revised Payment Services Directive) is a European Union regulation that enhances consumer protection, promotes innovation, and improves security in electronic payments involving Strong Customer Authentication (SCA) practices."},{"_id":"682ca92898ad2b0018115551","term":"IIN","definition":"A unique identifier generated by TabaPay Clients for every transaction."},{"_id":"682ca92898ad2b0018115550","term":"RT AU","definition":"Real Time Account Updater enables real-time updates on payment card credentials for Merchant-Initiated Transactions MIT, for updated customer card information to reduce declines and enhance the cardholder experience."},{"_id":"682ca92898ad2b001811554f","term":"Intl","definition":"international"},{"_id":"682ca92898ad2b001811554e","term":"MAC","definition":"Merchant Advice Codes are returned in Create Transaction to help with key re-attempt decisions for the client."},{"_id":"682ca92898ad2b001811554d","term":"ECI","definition":"Electronic Commerce Indicator indicates the type and security level of a 3DS transaction. It helps payment processors and issuers identify and handle transactions appropriately based on their security status."},{"_id":"682ca92898ad2b001811554c","term":"UAT","definition":"User Acceptance Testing"},{"_id":"682ca92898ad2b001811554b","term":"PII","definition":"Personally Identifiable Information is any information that can be used to distinguish or trace a person's identity, such as their name, Social Security number, biometric records, or other data linked to them."},{"_id":"682ca92898ad2b001811554a","term":"Bearer Token","definition":"A type of token used for authorization in making a successful API request. This unique credential acts as a key to be able to access a protected resource."},{"_id":"682ca92898ad2b0018115549","term":"COF","definition":"Card on File refers to storing a customer’s card details on a digital platform for future transactions, eliminating the need to re-enter payment information."},{"_id":"682ca92898ad2b0018115548","term":"JWT","definition":"JSON Web Token is a secure, signed token used to transmit information between parties, often for authentication and authorization."},{"_id":"682ca92898ad2b0018115547","term":"RfP","definition":"Request for Payment is a digital request from a receiver to a sender, specifying the amount and expiration date. It streamlines and secures financial transactions by automating Real-time payment processes."},{"_id":"682ca92898ad2b0018115546","term":"FedNow","definition":"A real-time payment service by the U.S. Federal Reserve that enables instant, 24/7/365 interbank payments and settlements, allowing individuals and businesses to transfer funds in real time."},{"_id":"682ca92898ad2b0018115545","term":"redundancy","definition":"In payments or networking, refers to duplicate components or payment systems that can seamlessly take over if a primary component fails."},{"_id":"682ca92898ad2b0018115544","term":"token","definition":"A unique identifier for sensitive information, used to protect data while passing information."},{"_id":"682ca92898ad2b0018115543","term":"WAF","definition":"Web Application Firewall"},{"_id":"682ca92898ad2b0018115542","term":"IDS","definition":"Intrusion Detection System"},{"_id":"682ca92898ad2b0018115541","term":"IPS","definition":"Intrusion Prevention System"},{"_id":"682ca92898ad2b0018115540","term":"AOC","definition":"Attestation of Compliance is an affirmation from an independent party that an entity meets certain regulatory requirements. The attestation is often issued in the form of a report on an independent review or risk assessment conducted by a qualified third party."},{"_id":"682ca92898ad2b001811553f","term":"compact JSON","definition":"All newlines/tabs/extra spaces in between JSON fields and objects are omitted {\"accounts\":{\"sourceAccountID\":\"SettlementAccountID_22\"..."},{"_id":"682ca92898ad2b001811553e","term":"ROC","definition":"Report on Compliance is a third party assessment of an organization's security against a set of requirements"},{"_id":"682ca92898ad2b001811553d","term":"Neobank","definition":"An online financial institution that offers banking services like accounts, but without traditional physical brick and mortar branches."},{"_id":"682ca92898ad2b001811553c","term":"brokerage account","definition":"An account dedicated for investments that allows you to buy stocks, bonds, mutual funds, and ETFs."},{"_id":"682ca92898ad2b001811553b","term":"CIT","definition":"Cardholder Initiated Transaction (CIT) is a transaction where the cardholder actively participates or make a request at the time of purchase. Also referred to as Consumer Initiated Transaction, or Customer Initiated Transaction."},{"_id":"682ca92898ad2b001811553a","term":"split-tender","definition":"When a customer divides, or \"splits\" up the purchase with multiple payment methods."},{"_id":"682ca92898ad2b0018115539","term":"Partial Auth","definition":"A service to authorize a payment acceptance (pull) transaction including partial funds to avoid a non-sufficient funds decline (Card Network Response Code 51)."},{"_id":"682ca92898ad2b0018115538","term":"TabaPay Token","definition":"Stored bank accounts and payment cards that have been tokenized in TabaPay's vault to safely pass in TabaPay's Unified API including the Create Transaction Request."},{"_id":"682ca92898ad2b0018115537","term":"KB","definition":"Kilobyte"},{"_id":"682ca92898ad2b0018115536","term":"XB","definition":"Cross-border"},{"_id":"682ca92898ad2b0018115535","term":"NSF","definition":"Non-sufficient funds"},{"_id":"682ca92898ad2b0018115534","term":"MC","definition":"Mastercard"},{"_id":"682ca92898ad2b0018115533","term":"MOTO","definition":"Mail Order Telephone Order"},{"_id":"682ca92898ad2b0018115532","term":"type:push","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payout (push) instead of a payment (pull)."},{"_id":"682ca92898ad2b0018115531","term":"API","definition":"Application Programing Interface refers is way for software applications to communicate with each other through specified data formats to request and exchange information."},{"_id":"682ca92898ad2b0018115530","term":"type:pull","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payment (pull) instead of a payout (push)."},{"_id":"682ca92898ad2b001811552f","term":"Unified API","definition":"TabaPay's API-first design allows a developer-friendly integration with a single connection to multiple networks, banking partners, and countries to accept payments, and payout funds."},{"_id":"682ca92898ad2b001811552e","term":"body parameters","definition":"Describe the data included in an API request. Depending on the use case, different body params will be included (e.g. a subscription will require the recurringData object and recurring field, but a single transaction may not)."},{"_id":"682ca92898ad2b001811552d","term":"RSA","definition":"Rivest-Shamir-Adleman, or RSA named after the inventors, is a widely used encryption that protects card data passed in the TabaPay API."},{"_id":"682ca92898ad2b001811552c","term":"OTPP","definition":"One-Time Payment Portal generated from the TransactionRequest API."},{"_id":"682ca92898ad2b001811552b","term":"transactionID","definition":"The unique 22-character string that identifies a specific transaction. Found in the Create Transaction Response."},{"_id":"682ca92898ad2b001811552a","term":"RC","definition":"Response Code. Also known as Card Network Response Codes, or Iso Network Codes."},{"_id":"682ca92898ad2b0018115529","term":"FI","definition":"Financial Institution"},{"_id":"682ca92898ad2b0018115528","term":"IIN","definition":"Issuer Identification Number"},{"_id":"682ca92898ad2b0018115527","term":"accountID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b0018115526","term":"NVP","definition":"Name-Value Pair"},{"_id":"682ca92898ad2b0018115525","term":"OWASP","definition":"Open Worldwide Application Security Project"},{"_id":"682ca92898ad2b0018115524","term":"SOC","definition":"System and Organization Controls"}],"variables":{"user":{},"defaults":[{"source":"","type":"","_id":"682ca92898ad2b00181155d5","name":"readmeOwner","default":"TabaPay"},{"source":"","type":"","_id":"682ca92898ad2b00181155d4","name":"","default":""},{"source":"server","type":"","_id":"682ca92898ad2b00181155d3","name":"FQDN","default":"FQDN"},{"source":"security","type":"http","_id":"682ca92898ad2b00181155d2","name":"bearerAuth","scheme":"bearer"},{"source":"server","type":"","_id":"684329c307fa860010e9f8b5","default":"PORT","file":"TP22-APIs.json","name":"PORT"}]}},"terms":[{"_id":"682ca92898ad2b00181155d1","term":"SSL","definition":"Secure Sockets Layer"},{"_id":"682ca92898ad2b00181155d0","term":"ISO","definition":"Independent Sales Organization"},{"_id":"682ca92898ad2b00181155cf","term":"referenceID","definition":"1-15 characters. This value is required in every transaction and must be unique. This value is generated by the client (the caller of the TabaPay API)."},{"_id":"682ca92898ad2b00181155ce","term":"ClientID","definition":"Your unique 22-character string issued during onboarding. This value is used in your URLs for TabaPay APIs. For questions on what string to use, ask TabaPay support."},{"_id":"682ca92898ad2b00181155cd","term":"RejectDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *DISALLOW* any duplicate cards to be added in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cc","term":"OKToAddDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *ALLOW* account creation using a duplicate card already stored in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cb","term":"Device","definition":"Represents payment card data. Generated from a PCI-compliant device. In API requests, use the JSON object \"card.device\". Populate \"card.device.id\" with the TabaPay-assigned device ID (ask if you're unsure) and populate \"card.device.blob\" with the data generated from the device."},{"_id":"682ca92898ad2b00181155ca","term":"Payment Card Encrypted","definition":"Refers to the JSON fields: \"keyID\" and \"data\"."},{"_id":"682ca92898ad2b00181155c9","term":"Expiration Date","definition":"TabaPay uses YYYYMM format"},{"_id":"682ca92898ad2b00181155c8","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what value to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for PULL transactions only) or - The \"sourceAccountID\" field (for PUSH transactions only)"},{"_id":"682ca92898ad2b00181155c7","term":"Destination Account ID","definition":"22-character TabaPay Account ID. For *pull* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c6","term":"Source Account ID","definition":"22-character TabaPay Account ID. For *push* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c5","term":"Source Account","definition":"Refers to the JSON object \"sourceAccount\". Incompatible with \"sourceAccountID\"."},{"_id":"682ca92898ad2b00181155c4","term":"Destination Account","definition":"Refers to the JSON object \"destinationAccount\". Incompatible with \"destinationAccountID\""},{"_id":"682ca92898ad2b00181155c3","term":"Corresponding Transaction ID","definition":"The transactionID of the corresponding transaction. For a *pull*, the corresponding *push* transactionID. For a *push*, the corresponding *pull* transactionID. Incompatible with the \"corresponding\" JSON object."},{"_id":"682ca92898ad2b00181155c2","term":"Security Code","definition":"3-4 digits."},{"_id":"682ca92898ad2b00181155c1","term":"Account ID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b00181155c0","term":"Duplicate Card Check","definition":"Upon using the proper query strings (?RejectDuplicateCard, ?OKToAddDuplicateCard), prevents (or allows) creating an account with a card already stored in TabaPay's Card Vault."},{"_id":"682ca92898ad2b00181155bf","term":"DeleteDuplicateCard","definition":"A Query String for the Delete Account API. Required if using Duplicate Card Check. Do not provide a value for this query string. Just append ?DeleteDuplicateCard to your URL"},{"_id":"682ca92898ad2b00181155be","term":"TabaPay","definition":"Did you know TABA stands for There And Back Again (subtitle to The Hobbit). TABA. Round trip payments. Push and Pull. It all makes sense, doesn't it?!"},{"_id":"682ca92898ad2b00181155bd","term":"Payment Card Not Encrypted","definition":"Card in the clear. Refers to JSON fields within a JSON \"card\" object: \"accountNumber\" and \"expirationDate\" (Documentation will note when to optionally include \"securityCode\")"},{"_id":"682ca92898ad2b00181155bc","term":"Version","definition":"A required URL path parameter within our APIs. The format of the Version is: the letter 'v' followed by the version number (e.g. v1, v2, etc). To see the supported versions for a specific API, refer to the specific API reference page. All APIs require a version in the URL path."},{"_id":"682ca92898ad2b00181155bb","term":"settlementAccountID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: \n- The \"destinationAccountID\" field (for pull transactions only) or \n- The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155ba","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for pull transactions only) or - The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155b9","term":"SubClientID","definition":"A 4, 6, or 8-digit value, specifying a program under a client. If you're unsure what value to use, ask TabaPay support. You may need to append this value to your ClientID with the \"_\" character as a separator (i.e. ClientID_SubClientID) within your API URL"},{"_id":"682ca92898ad2b00181155b8","term":"avsID","definition":"Unique ID associated with the verification request for an address of a payment card."},{"_id":"682ca92898ad2b00181155b7","term":"FQDN","definition":"Fully qualified domain name. Replace FQDN with the appropriate domain. Ensure the domain you're using is consistent with the environment you're testing in (sandbox, production, etc.)."},{"_id":"682ca92898ad2b00181155b6","term":"AVS","definition":"Address Verification Service. Used to verify the address of a payment card with the issuing institution."},{"_id":"682ca92898ad2b00181155b5","term":"OFAC","definition":"Office of Foreign Asset Control. Enforces sanctions based on foreign policy and national security goals against specific entities, countries, terrorists, narcotics traffickers, and those involved in weapons proliferation, to help safeguard US security, policy or the economy."},{"_id":"682ca92898ad2b00181155b4","term":"ANI","definition":"Account Name Inquiry (ANI) enables an account cardholder’s name to be checked against the name held by their Issuing bank."},{"_id":"682ca92898ad2b00181155b3","term":"Acquirer","definition":"A financial institution or payment processor that facilitates and processes credit or debit card transactions on behalf of merchants, and plays a role in authorizing and settling transactions, moving funds from the customer's account to the merchant's account along the payments network."},{"_id":"682ca92898ad2b00181155b2","term":"BIN","definition":"Bank Identification Number (BIN) is a unique set of four to eight digits on a payment card."},{"_id":"682ca92898ad2b00181155b1","term":"Beneficiary","definition":"An individual or entity designated to receive funds from a payout, disbursement, or push transaction."},{"_id":"682ca92898ad2b00181155b0","term":"Boarding","definition":"Refers to when a client begins their integration steps to go live with TabaPay."},{"_id":"682ca92898ad2b00181155af","term":"B2C","definition":"Business-to-consumer (B2C) is a type of transaction flow or model where commerce and relationships conducted are between a businesses and a customer."},{"_id":"682ca92898ad2b00181155ae","term":"disbursement","definition":"A payment flow that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ad","term":"payout","definition":"A transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ac","term":"Sender","definition":"An individual or entity who is sending funds to a beneficiary."},{"_id":"682ca92898ad2b00181155ab","term":"Capture","definition":"Completing and recording an authorized financial transaction to secure the funds from the customer's account and ensure the payment is successfully processed."},{"_id":"682ca92898ad2b00181155aa","term":"card","definition":"A physical or digital payment device issued by financial institutions to enable a cardholder to access funds in the assigned bank account or line of credit."},{"_id":"682ca92898ad2b00181155a9","term":"chip card","definition":"An EMV card with a microchip that provides a security layer by creating a unique transaction code for each payment for in-person transactions."},{"_id":"682ca92898ad2b00181155a8","term":"digital wallet","definition":"A virtual repository that stores payment methods or funds that allows contactless payments like near-field communication (NFC) technology, electronic transfers."},{"_id":"682ca92898ad2b00181155a7","term":"issuer","definition":"The bank or financial institution that provides a card to the cardholder, authorizing the card's use for transactions and oversees the card's activities."},{"_id":"682ca92898ad2b00181155a6","term":"Me2Me","definition":"Refers to a type of payment flow where an account holder transfers funds from one account to another account they own."},{"_id":"682ca92898ad2b00181155a5","term":"money transmission","definition":"The process of transferring funds from one person or entity to another, often through different financial services or systems. It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. 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It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. PGP is used for securing emails, files, and directories."},{"_id":"682ca92898ad2b0018115555","term":"SFTP","definition":"Secure File Transfer Protocol securely transfers files over a network, encrypting both commands and data, typically via Transmission Control Protocol (TCP) port 22."},{"_id":"682ca92898ad2b0018115554","term":"CVV2","definition":"Card Verification Value is the static code printed on a card used to verify card possession in card-not-present transactions."},{"_id":"682ca92898ad2b0018115553","term":"SCA","definition":"Strong Customer Authentication is a set of security requirements under Payment Services Directive (PSD2) that requires multi-factor authentication for electronic payments to enhance security and reduce fraud."},{"_id":"682ca92898ad2b0018115552","term":"PSD2","definition":"Revised Payment Services Directive) is a European Union regulation that enhances consumer protection, promotes innovation, and improves security in electronic payments involving Strong Customer Authentication (SCA) practices."},{"_id":"682ca92898ad2b0018115551","term":"IIN","definition":"A unique identifier generated by TabaPay Clients for every transaction."},{"_id":"682ca92898ad2b0018115550","term":"RT AU","definition":"Real Time Account Updater enables real-time updates on payment card credentials for Merchant-Initiated Transactions MIT, for updated customer card information to reduce declines and enhance the cardholder experience."},{"_id":"682ca92898ad2b001811554f","term":"Intl","definition":"international"},{"_id":"682ca92898ad2b001811554e","term":"MAC","definition":"Merchant Advice Codes are returned in Create Transaction to help with key re-attempt decisions for the client."},{"_id":"682ca92898ad2b001811554d","term":"ECI","definition":"Electronic Commerce Indicator indicates the type and security level of a 3DS transaction. It helps payment processors and issuers identify and handle transactions appropriately based on their security status."},{"_id":"682ca92898ad2b001811554c","term":"UAT","definition":"User Acceptance Testing"},{"_id":"682ca92898ad2b001811554b","term":"PII","definition":"Personally Identifiable Information is any information that can be used to distinguish or trace a person's identity, such as their name, Social Security number, biometric records, or other data linked to them."},{"_id":"682ca92898ad2b001811554a","term":"Bearer Token","definition":"A type of token used for authorization in making a successful API request. This unique credential acts as a key to be able to access a protected resource."},{"_id":"682ca92898ad2b0018115549","term":"COF","definition":"Card on File refers to storing a customer’s card details on a digital platform for future transactions, eliminating the need to re-enter payment information."},{"_id":"682ca92898ad2b0018115548","term":"JWT","definition":"JSON Web Token is a secure, signed token used to transmit information between parties, often for authentication and authorization."},{"_id":"682ca92898ad2b0018115547","term":"RfP","definition":"Request for Payment is a digital request from a receiver to a sender, specifying the amount and expiration date. It streamlines and secures financial transactions by automating Real-time payment processes."},{"_id":"682ca92898ad2b0018115546","term":"FedNow","definition":"A real-time payment service by the U.S. Federal Reserve that enables instant, 24/7/365 interbank payments and settlements, allowing individuals and businesses to transfer funds in real time."},{"_id":"682ca92898ad2b0018115545","term":"redundancy","definition":"In payments or networking, refers to duplicate components or payment systems that can seamlessly take over if a primary component fails."},{"_id":"682ca92898ad2b0018115544","term":"token","definition":"A unique identifier for sensitive information, used to protect data while passing information."},{"_id":"682ca92898ad2b0018115543","term":"WAF","definition":"Web Application Firewall"},{"_id":"682ca92898ad2b0018115542","term":"IDS","definition":"Intrusion Detection System"},{"_id":"682ca92898ad2b0018115541","term":"IPS","definition":"Intrusion Prevention System"},{"_id":"682ca92898ad2b0018115540","term":"AOC","definition":"Attestation of Compliance is an affirmation from an independent party that an entity meets certain regulatory requirements. The attestation is often issued in the form of a report on an independent review or risk assessment conducted by a qualified third party."},{"_id":"682ca92898ad2b001811553f","term":"compact JSON","definition":"All newlines/tabs/extra spaces in between JSON fields and objects are omitted {\"accounts\":{\"sourceAccountID\":\"SettlementAccountID_22\"..."},{"_id":"682ca92898ad2b001811553e","term":"ROC","definition":"Report on Compliance is a third party assessment of an organization's security against a set of requirements"},{"_id":"682ca92898ad2b001811553d","term":"Neobank","definition":"An online financial institution that offers banking services like accounts, but without traditional physical brick and mortar branches."},{"_id":"682ca92898ad2b001811553c","term":"brokerage account","definition":"An account dedicated for investments that allows you to buy stocks, bonds, mutual funds, and ETFs."},{"_id":"682ca92898ad2b001811553b","term":"CIT","definition":"Cardholder Initiated Transaction (CIT) is a transaction where the cardholder actively participates or make a request at the time of purchase. Also referred to as Consumer Initiated Transaction, or Customer Initiated Transaction."},{"_id":"682ca92898ad2b001811553a","term":"split-tender","definition":"When a customer divides, or \"splits\" up the purchase with multiple payment methods."},{"_id":"682ca92898ad2b0018115539","term":"Partial Auth","definition":"A service to authorize a payment acceptance (pull) transaction including partial funds to avoid a non-sufficient funds decline (Card Network Response Code 51)."},{"_id":"682ca92898ad2b0018115538","term":"TabaPay Token","definition":"Stored bank accounts and payment cards that have been tokenized in TabaPay's vault to safely pass in TabaPay's Unified API including the Create Transaction Request."},{"_id":"682ca92898ad2b0018115537","term":"KB","definition":"Kilobyte"},{"_id":"682ca92898ad2b0018115536","term":"XB","definition":"Cross-border"},{"_id":"682ca92898ad2b0018115535","term":"NSF","definition":"Non-sufficient funds"},{"_id":"682ca92898ad2b0018115534","term":"MC","definition":"Mastercard"},{"_id":"682ca92898ad2b0018115533","term":"MOTO","definition":"Mail Order Telephone Order"},{"_id":"682ca92898ad2b0018115532","term":"type:push","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payout (push) instead of a payment (pull)."},{"_id":"682ca92898ad2b0018115531","term":"API","definition":"Application Programing Interface refers is way for software applications to communicate with each other through specified data formats to request and exchange information."},{"_id":"682ca92898ad2b0018115530","term":"type:pull","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payment (pull) instead of a payout (push)."},{"_id":"682ca92898ad2b001811552f","term":"Unified API","definition":"TabaPay's API-first design allows a developer-friendly integration with a single connection to multiple networks, banking partners, and countries to accept payments, and payout funds."},{"_id":"682ca92898ad2b001811552e","term":"body parameters","definition":"Describe the data included in an API request. Depending on the use case, different body params will be included (e.g. a subscription will require the recurringData object and recurring field, but a single transaction may not)."},{"_id":"682ca92898ad2b001811552d","term":"RSA","definition":"Rivest-Shamir-Adleman, or RSA named after the inventors, is a widely used encryption that protects card data passed in the TabaPay API."},{"_id":"682ca92898ad2b001811552c","term":"OTPP","definition":"One-Time Payment Portal generated from the TransactionRequest API."},{"_id":"682ca92898ad2b001811552b","term":"transactionID","definition":"The unique 22-character string that identifies a specific transaction. Found in the Create Transaction Response."},{"_id":"682ca92898ad2b001811552a","term":"RC","definition":"Response Code. Also known as Card Network Response Codes, or Iso Network Codes."},{"_id":"682ca92898ad2b0018115529","term":"FI","definition":"Financial Institution"},{"_id":"682ca92898ad2b0018115528","term":"IIN","definition":"Issuer Identification Number"},{"_id":"682ca92898ad2b0018115527","term":"accountID","definition":"22-character TabaPay Account. Returned from Create Account. 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\");\n background-repeat: no-repeat;\n height: 56px;\n width: 141px;\n}\n\n/*Search Button on Dev Portal Landing Page*/\n .rm-LandingPageHeader .rm-SearchToggle { width: 250px; }\n\n\n.LandingPageHeader20SNhBZ58Jy5 {\n padding: 20px 20px 40px;\n}\n\n.cardNumber {\n padding-right: 1em;\n}\n\n#snackbar {\n visibility: hidden;\n min-width: 250px;\n margin-left: -125px;\n background-color: #333;\n color: #fff;\n text-align: center;\n border-radius: 2px;\n padding: 16px;\n position: fixed;\n z-index: 1;\n left: 50%;\n bottom: 30px;\n font-size: 17px;\n}\n\n#snackbar.show {\n visibility: visible;\n -webkit-animation: fadein 0.5s, fadeout 0.5s 2.5s;\n animation: fadein 0.5s, fadeout 0.5s 2.5s;\n}\n\n@-webkit-keyframes fadein {\n from {bottom: 0; opacity: 0;} \n to {bottom: 30px; opacity: 1;}\n}\n\n@keyframes fadein {\n from {bottom: 0; opacity: 0;}\n to {bottom: 30px; opacity: 1;}\n}\n\n@-webkit-keyframes fadeout {\n from {bottom: 30px; opacity: 1;} \n to {bottom: 0; opacity: 0;}\n}\n\n@keyframes fadeout {\n from {bottom: 30px; opacity: 1;}\n to {bottom: 0; opacity: 0;}\n}\n.qfs {\n font-size: .8em\n}\ntr,\nth,\ntd {\n padding: 5px 10px;\n text-align: center\n}\n table.t1 td:first-child,\n table.t2 td:nth-child(2),\n table.t3 td:nth-child(3),\n table.t4 td:nth-child(4),\n table.t5 td:nth-child(5),\n table.e5 td:nth-last-child(5),\n table.e4 td:nth-last-child(4),\n table.e3 td:nth-last-child(3),\n table.e2 td:nth-last-child(2),\n table.e1 td:last-child,\n td.tl {\n text-align: left\n }\n\n table.ti td {\n vertical-align: middle\n }\n\n table.tf td {\n text-align: left\n }\n\n.DiscussPost-date_rn8ndx4foSz{\n\tvisibility: hidden;\n width: 0px;\n}\n.fixedTableHead {\n font-size: small; \n}\n.fixedTableHead thead th {\n position: sticky;\n top: 0;\n}\n.fixedTableHead td {\n\ttext-align: left\n}\n#httpResponseCodesTable td {\n text-align: left\n}\n\n/* Keyword Search - Underlined Words */\n[data-color-mode=\"dark\"] .SearchResults-Result3TWcEjpDrkd5 .ais-Snippet-highlighted::after {\n background:#05D7B0;\n}\n\n/* Navigational Cards */\n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] p{ \n color: white !important; font-weight: 400; \n } \n}\n\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n border: 0.01em solid white; \n margin: 5px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .large-card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n margin: 5px; \n border: 0.01em solid white; \n height: 150px;\n } \n}\n\n \n@media (prefers-color-scheme: dark) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #383f43; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .icontop { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconsdark { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconstopdark {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] h3,[data-color-mode=system] h4 { \n color: white !important; \n } \n}\n \n \n \n@media (prefers-color-scheme: light) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #fff; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconsdark, [data-color-mode=system] .icontopdark { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconstop {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n\n \n\n [data-color-mode=\"light\"] .icontop {\n width: 36px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .icons {\n width: 28px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .iconsdark {\n display: none;\n }\n\n [data-color-mode=\"light\"] .iconstopdark {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icons {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icontop {\n display: none !important;\n }\n \n\n [data-color-mode=\"dark\"] .iconsdark {\n width: 28px;\n padding-right: 7px;\n }\n \n\n [data-color-mode=\"dark\"] .iconstopdark {\n width: 36px;\n padding-right: 7px;\n }\n \n \n[data-color-mode=\"dark\"] h3,\n[data-color-mode=\"dark\"] h4 {\n color: white !important;\n}\n \n \n\n\n /* Responsive Adjustments */\n @media (max-width: 1024px) {\n .top-row {\n grid-template-columns: repeat(2, 1fr);\n }\n\n .row {\n grid-template-columns: 1fr;\n }\n }\n\n @media (max-width: 768px) {\n\n .top-row,\n .row {\n grid-template-columns: 1fr;\n }\n }\n\n\n\n/* Block 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Sockets Layer"},{"_id":"682ca92898ad2b00181155d0","term":"ISO","definition":"Independent Sales Organization"},{"_id":"682ca92898ad2b00181155cf","term":"referenceID","definition":"1-15 characters. This value is required in every transaction and must be unique. This value is generated by the client (the caller of the TabaPay API)."},{"_id":"682ca92898ad2b00181155ce","term":"ClientID","definition":"Your unique 22-character string issued during onboarding. This value is used in your URLs for TabaPay APIs. For questions on what string to use, ask TabaPay support."},{"_id":"682ca92898ad2b00181155cd","term":"RejectDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *DISALLOW* any duplicate cards to be added in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cc","term":"OKToAddDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *ALLOW* account creation using a duplicate card already stored in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cb","term":"Device","definition":"Represents payment card data. Generated from a PCI-compliant device. In API requests, use the JSON object \"card.device\". Populate \"card.device.id\" with the TabaPay-assigned device ID (ask if you're unsure) and populate \"card.device.blob\" with the data generated from the device."},{"_id":"682ca92898ad2b00181155ca","term":"Payment Card Encrypted","definition":"Refers to the JSON fields: \"keyID\" and \"data\"."},{"_id":"682ca92898ad2b00181155c9","term":"Expiration Date","definition":"TabaPay uses YYYYMM format"},{"_id":"682ca92898ad2b00181155c8","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what value to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for PULL transactions only) or - The \"sourceAccountID\" field (for PUSH transactions only)"},{"_id":"682ca92898ad2b00181155c7","term":"Destination Account ID","definition":"22-character TabaPay Account ID. For *pull* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c6","term":"Source Account ID","definition":"22-character TabaPay Account ID. For *push* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c5","term":"Source Account","definition":"Refers to the JSON object \"sourceAccount\". Incompatible with \"sourceAccountID\"."},{"_id":"682ca92898ad2b00181155c4","term":"Destination Account","definition":"Refers to the JSON object \"destinationAccount\". Incompatible with \"destinationAccountID\""},{"_id":"682ca92898ad2b00181155c3","term":"Corresponding Transaction ID","definition":"The transactionID of the corresponding transaction. For a *pull*, the corresponding *push* transactionID. For a *push*, the corresponding *pull* transactionID. Incompatible with the \"corresponding\" JSON object."},{"_id":"682ca92898ad2b00181155c2","term":"Security Code","definition":"3-4 digits."},{"_id":"682ca92898ad2b00181155c1","term":"Account ID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b00181155c0","term":"Duplicate Card Check","definition":"Upon using the proper query strings (?RejectDuplicateCard, ?OKToAddDuplicateCard), prevents (or allows) creating an account with a card already stored in TabaPay's Card Vault."},{"_id":"682ca92898ad2b00181155bf","term":"DeleteDuplicateCard","definition":"A Query String for the Delete Account API. Required if using Duplicate Card Check. Do not provide a value for this query string. Just append ?DeleteDuplicateCard to your URL"},{"_id":"682ca92898ad2b00181155be","term":"TabaPay","definition":"Did you know TABA stands for There And Back Again (subtitle to The Hobbit). TABA. Round trip payments. Push and Pull. It all makes sense, doesn't it?!"},{"_id":"682ca92898ad2b00181155bd","term":"Payment Card Not Encrypted","definition":"Card in the clear. Refers to JSON fields within a JSON \"card\" object: \"accountNumber\" and \"expirationDate\" (Documentation will note when to optionally include \"securityCode\")"},{"_id":"682ca92898ad2b00181155bc","term":"Version","definition":"A required URL path parameter within our APIs. The format of the Version is: the letter 'v' followed by the version number (e.g. v1, v2, etc). To see the supported versions for a specific API, refer to the specific API reference page. All APIs require a version in the URL path."},{"_id":"682ca92898ad2b00181155bb","term":"settlementAccountID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: \n- The \"destinationAccountID\" field (for pull transactions only) or \n- The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155ba","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for pull transactions only) or - The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155b9","term":"SubClientID","definition":"A 4, 6, or 8-digit value, specifying a program under a client. If you're unsure what value to use, ask TabaPay support. You may need to append this value to your ClientID with the \"_\" character as a separator (i.e. ClientID_SubClientID) within your API URL"},{"_id":"682ca92898ad2b00181155b8","term":"avsID","definition":"Unique ID associated with the verification request for an address of a payment card."},{"_id":"682ca92898ad2b00181155b7","term":"FQDN","definition":"Fully qualified domain name. Replace FQDN with the appropriate domain. Ensure the domain you're using is consistent with the environment you're testing in (sandbox, production, etc.)."},{"_id":"682ca92898ad2b00181155b6","term":"AVS","definition":"Address Verification Service. Used to verify the address of a payment card with the issuing institution."},{"_id":"682ca92898ad2b00181155b5","term":"OFAC","definition":"Office of Foreign Asset Control. Enforces sanctions based on foreign policy and national security goals against specific entities, countries, terrorists, narcotics traffickers, and those involved in weapons proliferation, to help safeguard US security, policy or the economy."},{"_id":"682ca92898ad2b00181155b4","term":"ANI","definition":"Account Name Inquiry (ANI) enables an account cardholder’s name to be checked against the name held by their Issuing bank."},{"_id":"682ca92898ad2b00181155b3","term":"Acquirer","definition":"A financial institution or payment processor that facilitates and processes credit or debit card transactions on behalf of merchants, and plays a role in authorizing and settling transactions, moving funds from the customer's account to the merchant's account along the payments network."},{"_id":"682ca92898ad2b00181155b2","term":"BIN","definition":"Bank Identification Number (BIN) is a unique set of four to eight digits on a payment card."},{"_id":"682ca92898ad2b00181155b1","term":"Beneficiary","definition":"An individual or entity designated to receive funds from a payout, disbursement, or push transaction."},{"_id":"682ca92898ad2b00181155b0","term":"Boarding","definition":"Refers to when a client begins their integration steps to go live with TabaPay."},{"_id":"682ca92898ad2b00181155af","term":"B2C","definition":"Business-to-consumer (B2C) is a type of transaction flow or model where commerce and relationships conducted are between a businesses and a customer."},{"_id":"682ca92898ad2b00181155ae","term":"disbursement","definition":"A payment flow that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ad","term":"payout","definition":"A transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ac","term":"Sender","definition":"An individual or entity who is sending funds to a beneficiary."},{"_id":"682ca92898ad2b00181155ab","term":"Capture","definition":"Completing and recording an authorized financial transaction to secure the funds from the customer's account and ensure the payment is successfully processed."},{"_id":"682ca92898ad2b00181155aa","term":"card","definition":"A physical or digital payment device issued by financial institutions to enable a cardholder to access funds in the assigned bank account or line of credit."},{"_id":"682ca92898ad2b00181155a9","term":"chip card","definition":"An EMV card with a microchip that provides a security layer by creating a unique transaction code for each payment for in-person transactions."},{"_id":"682ca92898ad2b00181155a8","term":"digital wallet","definition":"A virtual repository that stores payment methods or funds that allows contactless payments like near-field communication (NFC) technology, electronic transfers."},{"_id":"682ca92898ad2b00181155a7","term":"issuer","definition":"The bank or financial institution that provides a card to the cardholder, authorizing the card's use for transactions and oversees the card's activities."},{"_id":"682ca92898ad2b00181155a6","term":"Me2Me","definition":"Refers to a type of payment flow where an account holder transfers funds from one account to another account they own."},{"_id":"682ca92898ad2b00181155a5","term":"money transmission","definition":"The process of transferring funds from one person or entity to another, often through different financial services or systems. It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. PGP is used for securing emails, files, and directories."},{"_id":"682ca92898ad2b0018115555","term":"SFTP","definition":"Secure File Transfer Protocol securely transfers files over a network, encrypting both commands and data, typically via Transmission Control Protocol (TCP) port 22."},{"_id":"682ca92898ad2b0018115554","term":"CVV2","definition":"Card Verification Value is the static code printed on a card used to verify card possession in card-not-present transactions."},{"_id":"682ca92898ad2b0018115553","term":"SCA","definition":"Strong Customer Authentication is a set of security requirements under Payment Services Directive (PSD2) that requires multi-factor authentication for electronic payments to enhance security and reduce fraud."},{"_id":"682ca92898ad2b0018115552","term":"PSD2","definition":"Revised Payment Services Directive) is a European Union regulation that enhances consumer protection, promotes innovation, and improves security in electronic payments involving Strong Customer Authentication (SCA) practices."},{"_id":"682ca92898ad2b0018115551","term":"IIN","definition":"A unique identifier generated by TabaPay Clients for every transaction."},{"_id":"682ca92898ad2b0018115550","term":"RT AU","definition":"Real Time Account Updater enables real-time updates on payment card credentials for Merchant-Initiated Transactions MIT, for updated customer card information to reduce declines and enhance the cardholder experience."},{"_id":"682ca92898ad2b001811554f","term":"Intl","definition":"international"},{"_id":"682ca92898ad2b001811554e","term":"MAC","definition":"Merchant Advice Codes are returned in Create Transaction to help with key re-attempt decisions for the client."},{"_id":"682ca92898ad2b001811554d","term":"ECI","definition":"Electronic Commerce Indicator indicates the type and security level of a 3DS transaction. It helps payment processors and issuers identify and handle transactions appropriately based on their security status."},{"_id":"682ca92898ad2b001811554c","term":"UAT","definition":"User Acceptance Testing"},{"_id":"682ca92898ad2b001811554b","term":"PII","definition":"Personally Identifiable Information is any information that can be used to distinguish or trace a person's identity, such as their name, Social Security number, biometric records, or other data linked to them."},{"_id":"682ca92898ad2b001811554a","term":"Bearer Token","definition":"A type of token used for authorization in making a successful API request. This unique credential acts as a key to be able to access a protected resource."},{"_id":"682ca92898ad2b0018115549","term":"COF","definition":"Card on File refers to storing a customer’s card details on a digital platform for future transactions, eliminating the need to re-enter payment information."},{"_id":"682ca92898ad2b0018115548","term":"JWT","definition":"JSON Web Token is a secure, signed token used to transmit information between parties, often for authentication and authorization."},{"_id":"682ca92898ad2b0018115547","term":"RfP","definition":"Request for Payment is a digital request from a receiver to a sender, specifying the amount and expiration date. 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\n Three-Domain Secure or “3DS” is a messaging protocol merchants use to authenticate their customers’ card information when processing card-not-present (CNP) e-commerce or mobile purchases and payments. By enhancing authentication, 3DS helps prevent fraud and provides an additional layer of security for CNP credit card and debit card transactions. This service is provided by all four major card networks.\n Read more\n
When using TabaPay's Account API to create or update a TabaPay account, TabaPay allows you to check if a card is already associated with another account. This is called duplicate card check. If we detect that you are trying to create a duplicate account (same card), then we return a 409 response and give you the account_id associated with said card.
This guide will walk you through using JFrog to get your hands on the 3DS SDK. As well as an overview of how to integrate and use the SDK. There are a total of 13 steps in this guide...
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APIs, and guides on how to move money with TabaPay.","glossary":[{"_id":"682ca92898ad2b00181155d1","term":"SSL","definition":"Secure Sockets Layer"},{"_id":"682ca92898ad2b00181155d0","term":"ISO","definition":"Independent Sales Organization"},{"_id":"682ca92898ad2b00181155cf","term":"referenceID","definition":"1-15 characters. This value is required in every transaction and must be unique. This value is generated by the client (the caller of the TabaPay API)."},{"_id":"682ca92898ad2b00181155ce","term":"ClientID","definition":"Your unique 22-character string issued during onboarding. This value is used in your URLs for TabaPay APIs. For questions on what string to use, ask TabaPay support."},{"_id":"682ca92898ad2b00181155cd","term":"RejectDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *DISALLOW* any duplicate cards to be added in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cc","term":"OKToAddDuplicateCard","definition":"Required if using Duplicate Card Check *AND* you want to *ALLOW* account creation using a duplicate card already stored in TabaPay's card vault."},{"_id":"682ca92898ad2b00181155cb","term":"Device","definition":"Represents payment card data. Generated from a PCI-compliant device. In API requests, use the JSON object \"card.device\". Populate \"card.device.id\" with the TabaPay-assigned device ID (ask if you're unsure) and populate \"card.device.blob\" with the data generated from the device."},{"_id":"682ca92898ad2b00181155ca","term":"Payment Card Encrypted","definition":"Refers to the JSON fields: \"keyID\" and \"data\"."},{"_id":"682ca92898ad2b00181155c9","term":"Expiration Date","definition":"TabaPay uses YYYYMM format"},{"_id":"682ca92898ad2b00181155c8","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what value to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for PULL transactions only) or - The \"sourceAccountID\" field (for PUSH transactions only)"},{"_id":"682ca92898ad2b00181155c7","term":"Destination Account ID","definition":"22-character TabaPay Account ID. For *pull* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c6","term":"Source Account ID","definition":"22-character TabaPay Account ID. For *push* transactions, use your Settlement Account ID here (issued during onboarding)."},{"_id":"682ca92898ad2b00181155c5","term":"Source Account","definition":"Refers to the JSON object \"sourceAccount\". Incompatible with \"sourceAccountID\"."},{"_id":"682ca92898ad2b00181155c4","term":"Destination Account","definition":"Refers to the JSON object \"destinationAccount\". Incompatible with \"destinationAccountID\""},{"_id":"682ca92898ad2b00181155c3","term":"Corresponding Transaction ID","definition":"The transactionID of the corresponding transaction. For a *pull*, the corresponding *push* transactionID. For a *push*, the corresponding *pull* transactionID. Incompatible with the \"corresponding\" JSON object."},{"_id":"682ca92898ad2b00181155c2","term":"Security Code","definition":"3-4 digits."},{"_id":"682ca92898ad2b00181155c1","term":"Account ID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b00181155c0","term":"Duplicate Card Check","definition":"Upon using the proper query strings (?RejectDuplicateCard, ?OKToAddDuplicateCard), prevents (or allows) creating an account with a card already stored in TabaPay's Card Vault."},{"_id":"682ca92898ad2b00181155bf","term":"DeleteDuplicateCard","definition":"A Query String for the Delete Account API. Required if using Duplicate Card Check. Do not provide a value for this query string. Just append ?DeleteDuplicateCard to your URL"},{"_id":"682ca92898ad2b00181155be","term":"TabaPay","definition":"Did you know TABA stands for There And Back Again (subtitle to The Hobbit). TABA. Round trip payments. Push and Pull. It all makes sense, doesn't it?!"},{"_id":"682ca92898ad2b00181155bd","term":"Payment Card Not Encrypted","definition":"Card in the clear. Refers to JSON fields within a JSON \"card\" object: \"accountNumber\" and \"expirationDate\" (Documentation will note when to optionally include \"securityCode\")"},{"_id":"682ca92898ad2b00181155bc","term":"Version","definition":"A required URL path parameter within our APIs. The format of the Version is: the letter 'v' followed by the version number (e.g. v1, v2, etc). To see the supported versions for a specific API, refer to the specific API reference page. All APIs require a version in the URL path."},{"_id":"682ca92898ad2b00181155bb","term":"settlementAccountID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: \n- The \"destinationAccountID\" field (for pull transactions only) or \n- The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155ba","term":"Settlement Account ID","definition":"A unique 22-character string issued during onboarding. For questions on what string to use, ask TabaPay support. Use this value in either: - The \"destinationAccountID\" field (for pull transactions only) or - The \"sourceAccountID\" field (for push transactions only)"},{"_id":"682ca92898ad2b00181155b9","term":"SubClientID","definition":"A 4, 6, or 8-digit value, specifying a program under a client. If you're unsure what value to use, ask TabaPay support. You may need to append this value to your ClientID with the \"_\" character as a separator (i.e. ClientID_SubClientID) within your API URL"},{"_id":"682ca92898ad2b00181155b8","term":"avsID","definition":"Unique ID associated with the verification request for an address of a payment card."},{"_id":"682ca92898ad2b00181155b7","term":"FQDN","definition":"Fully qualified domain name. Replace FQDN with the appropriate domain. Ensure the domain you're using is consistent with the environment you're testing in (sandbox, production, etc.)."},{"_id":"682ca92898ad2b00181155b6","term":"AVS","definition":"Address Verification Service. Used to verify the address of a payment card with the issuing institution."},{"_id":"682ca92898ad2b00181155b5","term":"OFAC","definition":"Office of Foreign Asset Control. Enforces sanctions based on foreign policy and national security goals against specific entities, countries, terrorists, narcotics traffickers, and those involved in weapons proliferation, to help safeguard US security, policy or the economy."},{"_id":"682ca92898ad2b00181155b4","term":"ANI","definition":"Account Name Inquiry (ANI) enables an account cardholder’s name to be checked against the name held by their Issuing bank."},{"_id":"682ca92898ad2b00181155b3","term":"Acquirer","definition":"A financial institution or payment processor that facilitates and processes credit or debit card transactions on behalf of merchants, and plays a role in authorizing and settling transactions, moving funds from the customer's account to the merchant's account along the payments network."},{"_id":"682ca92898ad2b00181155b2","term":"BIN","definition":"Bank Identification Number (BIN) is a unique set of four to eight digits on a payment card."},{"_id":"682ca92898ad2b00181155b1","term":"Beneficiary","definition":"An individual or entity designated to receive funds from a payout, disbursement, or push transaction."},{"_id":"682ca92898ad2b00181155b0","term":"Boarding","definition":"Refers to when a client begins their integration steps to go live with TabaPay."},{"_id":"682ca92898ad2b00181155af","term":"B2C","definition":"Business-to-consumer (B2C) is a type of transaction flow or model where commerce and relationships conducted are between a businesses and a customer."},{"_id":"682ca92898ad2b00181155ae","term":"disbursement","definition":"A payment flow that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ad","term":"payout","definition":"A transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b00181155ac","term":"Sender","definition":"An individual or entity who is sending funds to a beneficiary."},{"_id":"682ca92898ad2b00181155ab","term":"Capture","definition":"Completing and recording an authorized financial transaction to secure the funds from the customer's account and ensure the payment is successfully processed."},{"_id":"682ca92898ad2b00181155aa","term":"card","definition":"A physical or digital payment device issued by financial institutions to enable a cardholder to access funds in the assigned bank account or line of credit."},{"_id":"682ca92898ad2b00181155a9","term":"chip card","definition":"An EMV card with a microchip that provides a security layer by creating a unique transaction code for each payment for in-person transactions."},{"_id":"682ca92898ad2b00181155a8","term":"digital wallet","definition":"A virtual repository that stores payment methods or funds that allows contactless payments like near-field communication (NFC) technology, electronic transfers."},{"_id":"682ca92898ad2b00181155a7","term":"issuer","definition":"The bank or financial institution that provides a card to the cardholder, authorizing the card's use for transactions and oversees the card's activities."},{"_id":"682ca92898ad2b00181155a6","term":"Me2Me","definition":"Refers to a type of payment flow where an account holder transfers funds from one account to another account they own."},{"_id":"682ca92898ad2b00181155a5","term":"money transmission","definition":"The process of transferring funds from one person or entity to another, often through different financial services or systems. It includes various methods like electronic payments, wire transfers, and physical cash transfers."},{"_id":"682ca92898ad2b00181155a4","term":"payment","definition":"A transfer of funds when a merchant, or individual accepts a transaction for any goods, services, or legal obligation."},{"_id":"682ca92898ad2b00181155a3","term":"pull","definition":"A transaction initiated by the receiving party that draws funds out of a source account into a receiving, or destination bank account."},{"_id":"682ca92898ad2b00181155a2","term":"push","definition":"A transaction initiated by the sending party that credits an account where funds are being sent out of a source account into another account, or card. Also known as a Payout or Disbursement."},{"_id":"682ca92898ad2b00181155a1","term":"Quasi-Cash","definition":"A type of transaction related to the purchase of items that can be directly converted to cash. For example, casino game chips, lottery tickets, cryptocurrency, or money orders."},{"_id":"682ca92898ad2b00181155a0","term":"remittance","definition":"A transfer of money by one person in one country to a person in another country, usually to a family member"},{"_id":"682ca92898ad2b001811559f","term":"settlement","definition":"When a financial transaction completes by crediting the destination bank account."},{"_id":"682ca92898ad2b001811559e","term":"stored credentials","definition":"Payment credentials that have been stored to process future card payments. If you are creating an account for each user to transact using TabaPay’s API, you are storing credentials."},{"_id":"682ca92898ad2b001811559d","term":"transaction","definition":"A transfer of funds from one party to another that is a push or pull and uses many forms including cash, check, electronic funds transfer, credit or debit card transactions, or online payment services."},{"_id":"682ca92898ad2b001811559c","term":"EMV","definition":"Europay, Mastercard, and Visa (EMV) is a physical payment card that contains both a smart chip and a magnetic strip for physical terminals. Also known as a chip card, and are used for modern credit, or debit cards."},{"_id":"682ca92898ad2b001811559b","term":"3DS","definition":"Three-Domain Secure (3DS) is a messaging protocol used to authenticate cardholder information when processing card-not-present (CNP) payments."},{"_id":"682ca92898ad2b001811559a","term":"AFT","definition":"Account Funding Transaction (AFT) is a type of transfer when bank account funds are debited from an account holder to load onto another financial account or service."},{"_id":"682ca92898ad2b0018115599","term":"CVV","definition":"Card Verification Value is a 3 or 4-digit number that adds an extra layer of security, for card-not-present (CNP) transactions, or when you're buying something without swiping your card. Also known CVC, CVV2, CSC."},{"_id":"682ca92898ad2b0018115598","term":"P2P","definition":"Person to Person is a transaction that moves funds from a sender's bank account to a recipient's bank account."},{"_id":"682ca92898ad2b0018115597","term":"RTP","definition":"Real Time Payments is an instant payments platform from The Clearing House that allows financial institutions to clear and settle payments between them in real time."},{"_id":"682ca92898ad2b0018115596","term":"PAN","definition":"Primary Account Number (PAN) is a unique identifier assigned to an individual payment card, such as a credit or debit card."},{"_id":"682ca92898ad2b0018115595","term":"OCT","definition":"Original Credit Transaction (OCT) is a transaction where funds are first transferred into a bank account."},{"_id":"682ca92898ad2b0018115594","term":"B2B","definition":"Business-to-business (B2B) is a type of transaction flow or model where commerce and relationships conducted are between two businesses."},{"_id":"682ca92898ad2b0018115593","term":"Auth","definition":"Authorization (Auth) is the process of when a merchant confirms whether a customer has sufficient funds or credit to complete any card transaction, and when captured the transaction proceeds to settlement, transferring funds from the customer's account to the merchant's account."},{"_id":"682ca92898ad2b0018115592","term":"MIT","definition":"Merchant Initiated Transaction (MIT). Any transaction that is successfully conducted without the active participation of the cardholder."},{"_id":"682ca92898ad2b0018115591","term":"PCI-Token","definition":"Represents a payment card data. Generated from our PCI-compliant iFrame and is used in the JSON \"card\" object in the JSON field \"token\""},{"_id":"682ca92898ad2b0018115590","term":"CNP","definition":"Card-not-present (CNP) is a transaction flow where the customer's card and the merchant are not physically together, but the purchase is made using the card details like online shopping."},{"_id":"682ca92898ad2b001811558f","term":"CID","definition":"Card Identification Number (CID) functions similarly to the Card Verification Value (CVV) for a security layer, and commonly associated with American Express cards, and typically displays a 4-digit code on the front of the card."},{"_id":"682ca92898ad2b001811558e","term":"RPPS","definition":"Remote Payment and Presentment Service (RPPS) is a fully electronic solution for bill payment processing that provides electronic routing, posting, and same day settlement of financial transactions"},{"_id":"682ca92898ad2b001811558d","term":"CSC","definition":"Card Security Code (CSC) refers to all the various security codes such as CVV, CVV2, CVC, and CID, which are required to authenticate card transactions where the card is not physically present."},{"_id":"682ca92898ad2b001811558c","term":"ACH","definition":"Automated Clearing House (ACH) is a financial network in the US that powers electronic fund transfers. ACH transfers can be used to accept payments (pull) or to send payouts (push)."},{"_id":"682ca92898ad2b001811558b","term":"CVC","definition":"Card Verification Code (CVC). This 3-4 numerical code provides a check of the card's validity and is used to prevent fraud in transactions without physical cards. Also known as CVV, CSC, and CID."},{"_id":"682ca92898ad2b001811558a","term":"CDE","definition":"Cardholder Data Environment (CDE) consists of the people, processes and technologies that store, process, or transmit cardholder data or sensitive authentication data."},{"_id":"682ca92898ad2b0018115589","term":"FX","definition":"Foreign Exchange (FX) is the process of converting one currency into another that is used in international, or cross-border transactions."},{"_id":"682ca92898ad2b0018115588","term":"KYB","definition":"Know Your Business (KYB) is the process of verifying an organization and the nature of its business to ensure compliance with regulatory requirements, prevent fraud, and manage risk."},{"_id":"682ca92898ad2b0018115587","term":"KYC","definition":"Know Your Customer (KYC) is the process of verifying the identity of a customer and assessing any risks in doing business with them to help prevent identity theft, financial fraud, money laundering, and terrorist financing."},{"_id":"682ca92898ad2b0018115586","term":"UBO","definition":"Ultimate Beneficial Owner (UBO). The person(s) who owns or controls a legal entity or arrangement, such as a company or a trust."},{"_id":"682ca92898ad2b0018115585","term":"MID","definition":"Merchant Identifier (MID) identifies a specific program, or merchant with TabaPay."},{"_id":"682ca92898ad2b0018115584","term":"VDA","definition":"Visa Direct Account (VDA) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115583","term":"VDW","definition":"Visa Direct Wallet (VDW) sends payouts to bank accounts through the Visa network using its ACH/RTP."},{"_id":"682ca92898ad2b0018115582","term":"VMID","definition":"Visa Merchant Identifier (VMID) is a unique id number that represents a merchant transacting using the Visa network."},{"_id":"682ca92898ad2b0018115581","term":"PEP","definition":"Politically Exposed Persons (PEP). Individuals who hold a prominent public position, or those associated with them, which can be susceptible to heightened risks of corruption and bribery."},{"_id":"682ca92898ad2b0018115580","term":"NACHA","definition":"National Automated Clearing House Association (NACHA) is an organization that governs the ACH payments Network to deliver payments education, accreditation and advisory services."},{"_id":"682ca92898ad2b001811557f","term":"NFC","definition":"Near Field Communication is a technology that allows two devices—like a smartphone and a payment terminal—to communicate when they are close together to allow for contactless payment systems, and data transfer."},{"_id":"682ca92898ad2b001811557e","term":"POS","definition":"Point of Sale. The system where customer transactions are processed, and completed."},{"_id":"682ca92898ad2b001811557d","term":"MFA","definition":"Multi-Factor Authentication (MFA) is a security process that requires users to provide two or more verification factors to access a resource, enhancing protection against unauthorized access."},{"_id":"682ca92898ad2b001811557c","term":"FDIC","definition":"Federal Deposit Insurance Corporation (FDIC) is a United States government agency that provides deposit insurance to account holders in U.S. banks and savings institutions. The FDIC's insurance protects up to $250,000 per depositor, per insured bank, for each account ownership category in the event of a bank failure."},{"_id":"682ca92898ad2b001811557b","term":"NCUA","definition":"Federal agency that regulates and insures deposits at federal credit unions, similar to the FDIC but for credit unions."},{"_id":"682ca92898ad2b001811557a","term":"SAML","definition":"SAML (Security Assertion Markup Language) is a standard for exchanging authentication and authorization data between an identity provider and a service provider, facilitating single sign-on."},{"_id":"682ca92898ad2b0018115579","term":"AML","definition":"AML (Anti-Money Laundering). Laws and procedures designed to prevent criminals from disguising illegal proceeds as legitimate income."},{"_id":"682ca92898ad2b0018115578","term":"BSA","definition":"BSA (Bank Secrecy Act) is a U.S. law that requires financial institutions to assist government agencies in detecting and preventing money laundering."},{"_id":"682ca92898ad2b0018115577","term":"ACS","definition":"ACS (Access Control Server) is a network server used for making access control decisions and enforcing security policies."},{"_id":"682ca92898ad2b0018115576","term":"IdP","definition":"IdP (Identity Provider) is a system that manages identity information and provides authentication services within a federated identity setup."},{"_id":"682ca92898ad2b0018115575","term":"Sponsor Bank","definition":"A bank that enables payment processors and Independent Sales Organizations (ISOs) to access major card networks like Visa and MasterCard for transaction processing."},{"_id":"682ca92898ad2b0018115574","term":"CIP","definition":"Customer Information Program (CIP) mandates U.S. financial institutions to verify the identities of customers opening accounts, collecting details like name, address, and ID number to prevent financial crimes. Institutions must also check names against government watch lists."},{"_id":"682ca92898ad2b0018115573","term":"MSB","definition":"Money Service Business (MSB) is a company that provides financial services like money transfers, currency exchange, and payment processing, that serve as accessible financial points for consumers, especially those who may not have access to traditional banking services."},{"_id":"682ca92898ad2b0018115572","term":"MCC","definition":"Merchant Category Codes (MCC). Four-digit numbers used by credit card networks to classify businesses based on the type of goods or services they provide, affecting rewards, tax reporting, and fraud detection."},{"_id":"682ca92898ad2b0018115571","term":"FTPS","definition":"FTPS (File Transfer Protocol Secure) is an extension of File Transfer Protocol (FTP) that uses Secure Sockets Layer (SSL)/Transport Layer Security (TLS) to encrypt file transfers, operating on port 990 990 for a constantly secure connection, or port 21 where security is confirmed at the start of a connection."},{"_id":"682ca92898ad2b0018115570","term":"PCI","definition":"Payment Card Industry (PCI) Standards. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556f","term":"PCI-DSS","definition":"Payment Card Industry Data Security Standards (PCI-DSS), or PCI. A set of standards that participants in the payment card ecosystem must follow to help ensure the safety of payment card data"},{"_id":"682ca92898ad2b001811556e","term":"CCD","definition":"Corporate Credit or Debit"},{"_id":"682ca92898ad2b001811556d","term":"PPD","definition":"Prearranged Payment and Deposit"},{"_id":"682ca92898ad2b001811556c","term":"WEB","definition":"Internet/Mobile Initiated Entry"},{"_id":"682ca92898ad2b001811556b","term":"chargeback","definition":"An outcome of a disputed transaction initiated by the cardholder, transferring funds back from the merchant to the cardholder."},{"_id":"682ca92898ad2b001811556a","term":"PAR","definition":"Payment Account Reference (PAR) is a 29-character unique identifier linked to a cardholder's Payment Account Number (PAN) and related tokens, used in place of sensitive data to facilitate consumer identification across payment systems."},{"_id":"682ca92898ad2b0018115569","term":"SAQ","definition":"Self-Assessment Questionnaire (SAQ) is a validation tool intended to assist merchants and service providers report the results of their PCI DSS compliance assessment. There are different question program specific questionnaires for merchants (e.g. A, D)"},{"_id":"682ca92898ad2b0018115568","term":"Webhooks","definition":"Automated messages sent from TabaPay when something happens, so that different systems are in sync without manual input."},{"_id":"682ca92898ad2b0018115567","term":"MTL","definition":"Money Transmitter License is a state regulated license a businesses to provide money transmission services, including transferring funds between parties, currency exchange, and issuing or selling payment instruments."},{"_id":"682ca92898ad2b0018115566","term":"CAVV","definition":"Cardholder Authentication Verification Value is a value generated by the card issuer during the authentication of a cardholder in an online transaction. It is part of the 3-D Secure (3DS) protocol (verified by the card network) and helps confirm that the existing cardholder is authorized to use the card."},{"_id":"682ca92898ad2b0018115565","term":"cardholder","definition":"A cardholder is an individual to whom a payment card (credit, debit, or prepaid card) is issued. The cardholder is authorized to use the card for making transactions and is responsible for any charges incurred on the card."},{"_id":"682ca92898ad2b0018115564","term":"enabled","definition":"Refers to turning on a product or feature for an existing TabaPay client using any required configurations."},{"_id":"682ca92898ad2b0018115563","term":"TAVV","definition":"Transaction Authentication Verification Value is similar to CAVV and is used in the context of the 3-D Secure (3DS) protocol for card authentication. It is a value provided by the card issuer to verify the authenticity of a transaction, ensuring that it is being conducted by the legitimate cardholder."},{"_id":"682ca92898ad2b0018115562","term":"HTTPS","definition":"Hypertext Transfer Protocol Secure is an extension of HTTP that uses encryption (typically via SSL/TLS) to secure data transmitted over the web, helping protect against eavesdropping, tampering, and intercepting attacks."},{"_id":"682ca92898ad2b0018115561","term":"cryptogram","definition":"Unique encrypted codes generated at each transaction to authenticate the transaction and help ensure its security."},{"_id":"682ca92898ad2b0018115560","term":"cardholder","definition":"An individual to whom a payment card (credit, debit, or prepaid card) is issued, authorized to use the card for card transactions."},{"_id":"682ca92898ad2b001811555f","term":"C2B","definition":"Consumer to business is a type of transaction flow where consumers provide products or services to businesses. For example a graphic designer, influencer, or crowdsourcing."},{"_id":"682ca92898ad2b001811555e","term":"B2C","definition":"Business to consumer is a type of transaction flow where businesses sell products or services directly to consumers."},{"_id":"682ca92898ad2b001811555d","term":"A2A","definition":"Account to Account is a type of transaction flow involving transfers of funds between two accounts held by the same or different individuals or entities."},{"_id":"682ca92898ad2b001811555c","term":"G2C","definition":"Government to Citizen is a type of transaction flow type involving interactions between government entities and citizens. For example: social security benefits, unemployment benefits, and healthcare services."},{"_id":"682ca92898ad2b001811555b","term":"SAAS","definition":"Software as a Service is a cloud-based solution where applications are hosted by a provider and accessed by users over the internet, allowing accessibility, automatic updates, scalability, and reducing the need for on-premises software and hardware."},{"_id":"682ca92898ad2b001811555a","term":"TCH","definition":"The Clearing House is a banking association that operates key payment systems like ACH for electronic payments, and RTP for instant payments, ensuring secure and efficient processing in the U.S. financial system."},{"_id":"682ca92898ad2b0018115559","term":"ODFI","definition":"Originating Depository Financial Institution is the bank or financial institution that initiates an ACH (Automated Clearing House) transaction."},{"_id":"682ca92898ad2b0018115558","term":"RDFI","definition":"Receiving Depository Financial Institution is the bank or financial institution that receives ACH entries from the ACH network and posts them to the accounts of the intended recipients."},{"_id":"682ca92898ad2b0018115557","term":"DDA","definition":"Demand Deposit Account is a bank account from which funds can be withdrawn at any time without any advance notice, commonly known as a checking account."},{"_id":"682ca92898ad2b0018115556","term":"PGP","definition":"Pretty Good Privacy is an encryption program that provides cryptographic privacy and authentication for data communication. PGP is used for securing emails, files, and directories."},{"_id":"682ca92898ad2b0018115555","term":"SFTP","definition":"Secure File Transfer Protocol securely transfers files over a network, encrypting both commands and data, typically via Transmission Control Protocol (TCP) port 22."},{"_id":"682ca92898ad2b0018115554","term":"CVV2","definition":"Card Verification Value is the static code printed on a card used to verify card possession in card-not-present transactions."},{"_id":"682ca92898ad2b0018115553","term":"SCA","definition":"Strong Customer Authentication is a set of security requirements under Payment Services Directive (PSD2) that requires multi-factor authentication for electronic payments to enhance security and reduce fraud."},{"_id":"682ca92898ad2b0018115552","term":"PSD2","definition":"Revised Payment Services Directive) is a European Union regulation that enhances consumer protection, promotes innovation, and improves security in electronic payments involving Strong Customer Authentication (SCA) practices."},{"_id":"682ca92898ad2b0018115551","term":"IIN","definition":"A unique identifier generated by TabaPay Clients for every transaction."},{"_id":"682ca92898ad2b0018115550","term":"RT AU","definition":"Real Time Account Updater enables real-time updates on payment card credentials for Merchant-Initiated Transactions MIT, for updated customer card information to reduce declines and enhance the cardholder experience."},{"_id":"682ca92898ad2b001811554f","term":"Intl","definition":"international"},{"_id":"682ca92898ad2b001811554e","term":"MAC","definition":"Merchant Advice Codes are returned in Create Transaction to help with key re-attempt decisions for the client."},{"_id":"682ca92898ad2b001811554d","term":"ECI","definition":"Electronic Commerce Indicator indicates the type and security level of a 3DS transaction. It helps payment processors and issuers identify and handle transactions appropriately based on their security status."},{"_id":"682ca92898ad2b001811554c","term":"UAT","definition":"User Acceptance Testing"},{"_id":"682ca92898ad2b001811554b","term":"PII","definition":"Personally Identifiable Information is any information that can be used to distinguish or trace a person's identity, such as their name, Social Security number, biometric records, or other data linked to them."},{"_id":"682ca92898ad2b001811554a","term":"Bearer Token","definition":"A type of token used for authorization in making a successful API request. This unique credential acts as a key to be able to access a protected resource."},{"_id":"682ca92898ad2b0018115549","term":"COF","definition":"Card on File refers to storing a customer’s card details on a digital platform for future transactions, eliminating the need to re-enter payment information."},{"_id":"682ca92898ad2b0018115548","term":"JWT","definition":"JSON Web Token is a secure, signed token used to transmit information between parties, often for authentication and authorization."},{"_id":"682ca92898ad2b0018115547","term":"RfP","definition":"Request for Payment is a digital request from a receiver to a sender, specifying the amount and expiration date. It streamlines and secures financial transactions by automating Real-time payment processes."},{"_id":"682ca92898ad2b0018115546","term":"FedNow","definition":"A real-time payment service by the U.S. Federal Reserve that enables instant, 24/7/365 interbank payments and settlements, allowing individuals and businesses to transfer funds in real time."},{"_id":"682ca92898ad2b0018115545","term":"redundancy","definition":"In payments or networking, refers to duplicate components or payment systems that can seamlessly take over if a primary component fails."},{"_id":"682ca92898ad2b0018115544","term":"token","definition":"A unique identifier for sensitive information, used to protect data while passing information."},{"_id":"682ca92898ad2b0018115543","term":"WAF","definition":"Web Application Firewall"},{"_id":"682ca92898ad2b0018115542","term":"IDS","definition":"Intrusion Detection System"},{"_id":"682ca92898ad2b0018115541","term":"IPS","definition":"Intrusion Prevention System"},{"_id":"682ca92898ad2b0018115540","term":"AOC","definition":"Attestation of Compliance is an affirmation from an independent party that an entity meets certain regulatory requirements. The attestation is often issued in the form of a report on an independent review or risk assessment conducted by a qualified third party."},{"_id":"682ca92898ad2b001811553f","term":"compact JSON","definition":"All newlines/tabs/extra spaces in between JSON fields and objects are omitted {\"accounts\":{\"sourceAccountID\":\"SettlementAccountID_22\"..."},{"_id":"682ca92898ad2b001811553e","term":"ROC","definition":"Report on Compliance is a third party assessment of an organization's security against a set of requirements"},{"_id":"682ca92898ad2b001811553d","term":"Neobank","definition":"An online financial institution that offers banking services like accounts, but without traditional physical brick and mortar branches."},{"_id":"682ca92898ad2b001811553c","term":"brokerage account","definition":"An account dedicated for investments that allows you to buy stocks, bonds, mutual funds, and ETFs."},{"_id":"682ca92898ad2b001811553b","term":"CIT","definition":"Cardholder Initiated Transaction (CIT) is a transaction where the cardholder actively participates or make a request at the time of purchase. Also referred to as Consumer Initiated Transaction, or Customer Initiated Transaction."},{"_id":"682ca92898ad2b001811553a","term":"split-tender","definition":"When a customer divides, or \"splits\" up the purchase with multiple payment methods."},{"_id":"682ca92898ad2b0018115539","term":"Partial Auth","definition":"A service to authorize a payment acceptance (pull) transaction including partial funds to avoid a non-sufficient funds decline (Card Network Response Code 51)."},{"_id":"682ca92898ad2b0018115538","term":"TabaPay Token","definition":"Stored bank accounts and payment cards that have been tokenized in TabaPay's vault to safely pass in TabaPay's Unified API including the Create Transaction Request."},{"_id":"682ca92898ad2b0018115537","term":"KB","definition":"Kilobyte"},{"_id":"682ca92898ad2b0018115536","term":"XB","definition":"Cross-border"},{"_id":"682ca92898ad2b0018115535","term":"NSF","definition":"Non-sufficient funds"},{"_id":"682ca92898ad2b0018115534","term":"MC","definition":"Mastercard"},{"_id":"682ca92898ad2b0018115533","term":"MOTO","definition":"Mail Order Telephone Order"},{"_id":"682ca92898ad2b0018115532","term":"type:push","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payout (push) instead of a payment (pull)."},{"_id":"682ca92898ad2b0018115531","term":"API","definition":"Application Programing Interface refers is way for software applications to communicate with each other through specified data formats to request and exchange information."},{"_id":"682ca92898ad2b0018115530","term":"type:pull","definition":"This refers to type field in the Create Transaction request that indicates the transaction is a payment (pull) instead of a payout (push)."},{"_id":"682ca92898ad2b001811552f","term":"Unified API","definition":"TabaPay's API-first design allows a developer-friendly integration with a single connection to multiple networks, banking partners, and countries to accept payments, and payout funds."},{"_id":"682ca92898ad2b001811552e","term":"body parameters","definition":"Describe the data included in an API request. Depending on the use case, different body params will be included (e.g. a subscription will require the recurringData object and recurring field, but a single transaction may not)."},{"_id":"682ca92898ad2b001811552d","term":"RSA","definition":"Rivest-Shamir-Adleman, or RSA named after the inventors, is a widely used encryption that protects card data passed in the TabaPay API."},{"_id":"682ca92898ad2b001811552c","term":"OTPP","definition":"One-Time Payment Portal generated from the TransactionRequest API."},{"_id":"682ca92898ad2b001811552b","term":"transactionID","definition":"The unique 22-character string that identifies a specific transaction. Found in the Create Transaction Response."},{"_id":"682ca92898ad2b001811552a","term":"RC","definition":"Response Code. Also known as Card Network Response Codes, or Iso Network Codes."},{"_id":"682ca92898ad2b0018115529","term":"FI","definition":"Financial Institution"},{"_id":"682ca92898ad2b0018115528","term":"IIN","definition":"Issuer Identification Number"},{"_id":"682ca92898ad2b0018115527","term":"accountID","definition":"22-character TabaPay Account. Returned from Create Account. Can be used in place of bank or card details."},{"_id":"682ca92898ad2b0018115526","term":"NVP","definition":"Name-Value Pair"},{"_id":"682ca92898ad2b0018115525","term":"OWASP","definition":"Open Worldwide Application Security Project"},{"_id":"682ca92898ad2b0018115524","term":"SOC","definition":"System and Organization Controls"}],"homepage_url":"https://tabapay.com","id":"61f4a26379257900665c364f","name":"TabaPay 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\");\n background-repeat: no-repeat;\n height: 56px;\n width: 141px;\n}\n\n/*Search Button on Dev Portal Landing Page*/\n .rm-LandingPageHeader .rm-SearchToggle { width: 250px; }\n\n\n.LandingPageHeader20SNhBZ58Jy5 {\n padding: 20px 20px 40px;\n}\n\n.cardNumber {\n padding-right: 1em;\n}\n\n#snackbar {\n visibility: hidden;\n min-width: 250px;\n margin-left: -125px;\n background-color: #333;\n color: #fff;\n text-align: center;\n border-radius: 2px;\n padding: 16px;\n position: fixed;\n z-index: 1;\n left: 50%;\n bottom: 30px;\n font-size: 17px;\n}\n\n#snackbar.show {\n visibility: visible;\n -webkit-animation: fadein 0.5s, fadeout 0.5s 2.5s;\n animation: fadein 0.5s, fadeout 0.5s 2.5s;\n}\n\n@-webkit-keyframes fadein {\n from {bottom: 0; opacity: 0;} \n to {bottom: 30px; opacity: 1;}\n}\n\n@keyframes fadein {\n from {bottom: 0; opacity: 0;}\n to {bottom: 30px; opacity: 1;}\n}\n\n@-webkit-keyframes fadeout {\n from {bottom: 30px; opacity: 1;} \n to {bottom: 0; opacity: 0;}\n}\n\n@keyframes fadeout {\n from {bottom: 30px; opacity: 1;}\n to {bottom: 0; opacity: 0;}\n}\n.qfs {\n font-size: .8em\n}\ntr,\nth,\ntd {\n padding: 5px 10px;\n text-align: center\n}\n table.t1 td:first-child,\n table.t2 td:nth-child(2),\n table.t3 td:nth-child(3),\n table.t4 td:nth-child(4),\n table.t5 td:nth-child(5),\n table.e5 td:nth-last-child(5),\n table.e4 td:nth-last-child(4),\n table.e3 td:nth-last-child(3),\n table.e2 td:nth-last-child(2),\n table.e1 td:last-child,\n td.tl {\n text-align: left\n }\n\n table.ti td {\n vertical-align: middle\n }\n\n table.tf td {\n text-align: left\n }\n\n.DiscussPost-date_rn8ndx4foSz{\n\tvisibility: hidden;\n width: 0px;\n}\n.fixedTableHead {\n font-size: small; \n}\n.fixedTableHead thead th {\n position: sticky;\n top: 0;\n}\n.fixedTableHead td {\n\ttext-align: left\n}\n#httpResponseCodesTable td {\n text-align: left\n}\n\n/* Keyword Search - Underlined Words */\n[data-color-mode=\"dark\"] .SearchResults-Result3TWcEjpDrkd5 .ais-Snippet-highlighted::after {\n background:#05D7B0;\n}\n\n/* Navigational Cards */\n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] p{ \n color: white !important; font-weight: 400; \n } \n}\n\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n border: 0.01em solid white; \n margin: 5px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .large-card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n margin: 5px; \n border: 0.01em solid white; \n height: 150px;\n } \n}\n\n \n@media (prefers-color-scheme: dark) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #383f43; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .icontop { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconsdark { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconstopdark {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] h3,[data-color-mode=system] h4 { \n color: white !important; \n } \n}\n \n \n \n@media (prefers-color-scheme: light) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #fff; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconsdark, [data-color-mode=system] .icontopdark { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconstop {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n\n \n\n [data-color-mode=\"light\"] .icontop {\n width: 36px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .icons {\n width: 28px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .iconsdark {\n display: none;\n }\n\n [data-color-mode=\"light\"] .iconstopdark {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icons {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icontop {\n display: none !important;\n }\n \n\n [data-color-mode=\"dark\"] .iconsdark {\n width: 28px;\n padding-right: 7px;\n }\n \n\n [data-color-mode=\"dark\"] .iconstopdark {\n width: 36px;\n padding-right: 7px;\n }\n \n \n[data-color-mode=\"dark\"] h3,\n[data-color-mode=\"dark\"] h4 {\n color: white !important;\n}\n \n \n\n\n /* Responsive Adjustments */\n @media (max-width: 1024px) {\n .top-row {\n grid-template-columns: repeat(2, 1fr);\n }\n\n .row {\n grid-template-columns: 1fr;\n }\n }\n\n @media (max-width: 768px) {\n\n .top-row,\n .row {\n grid-template-columns: 1fr;\n }\n }\n\n\n\n/* Block Font - e3edf2 */\n.blockfont: {\n font-size:18px;\n}\n\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .callout_intro {\n background:#118CFD;\n title:#46b8da;\n border:#5bc0de;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .callout_intro {\n background:#118CFD;\n title:#46b8da;\n border:#5bc0de;\n } \n}\n\n\n\n.callout_intro p {\nfont-size:18px;\n}\n\n\n\n/* CSS Values for Accordian Designs */\ndetails {\n display: inline-block;\n}\n\nsummary {\n list-style: none;\n display: inline-flex;\n align-items: center;\n padding: 10px;\n font-weight: bold;\n}\n\n\n\nsummary::after {\n content: '';\n width: 18px;\n height: 10px;\n background: url('https://files.readme.io/46a176e7887df52288b2d4ebced3b5655c843def7d0079c94083d3f309783cdf-accordianarrowdown.svg') no-repeat;\n background-size: cover;\n margin-left: .75em;\n transition: 0.1s;\n}\n\ndetails[open] > summary::after {\n transform: rotate(180deg);\n}\n\n\n\nsummary::-webkit-details-marker {\n display: none;\n}\n\nsummary {\n border-radius: 5px;\n}\n\ndetails[open] summary {border-radius: 5px 5px 0 0;}\n\ndetails {\n border-radius: 5px;\n}\n\n/* Cards for Nav */\n\n .row1 {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n .other-row {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n\n .single-row {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n.row-list {\n display: grid !important;\n grid-gap: 7px;\n margin-bottom: 20px;\n /* Spacing between card rows */\n }\n\n\n .row1 {\n grid-template-columns: repeat(3, 1fr);\n }\n\n\n .other-row {\n grid-template-columns: repeat(2, 1fr);\n }\n\n .other-row a {\n text-decoration: none !important;\n\n }\n\n.row1 a {\n text-decoration: none !important;\n\n }\n\n\n .row-list {\n grid-template-columns: repeat(3, 1fr);\n }\n\n\n\n.single-row {\n grid-template-columns: repeat(1, 1fr);\n }\n\n\n.single-row a {\n text-decoration: none !important;\n\n }\n \n .card {\n width:100%;\n }\n\n [data-color-mode=\"light\"] p {\n color: black;\n text-decoration: none !important;\n font-weight: 400;\n }\n\n [data-color-mode=\"dark\"] p {\n color: white !important;\n font-weight: 400;\n }\n \n \n .other-row a p {\n text-decoration: none;\n } \n\n .other-row p a {\n text-decoration: none;\n }\n\n .row1 a p {\n text-decoration: none;\n } \n\n .row1 p a {\n text-decoration: none;\n }\n\n [data-color-mode=\"light\"] .card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n margin: 5px;\n }\n\n [data-color-mode=\"light\"] .large-card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n margin: 5px;\n height: 150px;\n }\n\n [data-color-mode=\"dark\"] .card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n border: 0.01em solid white;\n margin: 5px;\n }\n \n \n [data-color-mode=\"dark\"] .large-card {\n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2);\n transition: 0.3s;\n border-radius: 5px;\n margin: 5px;\n border: 0.01em solid white;\n height: 150px;\n }\n \n .card:hover,\n .large-card:hover {\n box-shadow: 0 8px 16px 0 rgba(0, 0, 0, 0.2);\n }\n\n [data-color-mode=\"dark\"] .card:hover {\n background-color: #383f43;\n }\n\n [data-color-mode=\"dark\"] .large-card:hover {\n background-color: #383f43;\n }\n \n .large-card {\n padding: 10px;\n /* Larger padding for larger cards */\n }\n\n .container,\n .large-container {\n padding: 2px 16px;\n text-decoration: none;\n }\n\n\n .topcard-link {\n text-decoration: none;\n }\n\n .topcard-title {\n font-size: 16px;\n\n }\n\n .card-link {\n text-decoration: none;\n }\n \n \n \n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] p{ \n color: white !important; font-weight: 400; \n } \n}\n\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .card { \n box-shadow: 0 4px 8px 0 rgba(0, 0, 0, 0.2); \n transition: 0.3s; \n border-radius: 5px; \n border: 0.01em solid white; \n margin: 5px; \n } \n}\n\n \n@media (prefers-color-scheme: dark) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #383f43; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .icontop { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconsdark { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] .iconstopdark {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: dark) { [data-color-mode=\"system\"] h3,[data-color-mode=system] h4 { \n color: white !important; \n } \n}\n \n \n \n@media (prefers-color-scheme: light) { \n [data-color-mode=system] .large-card:hover, [data-color-mode=\"system\"] .card:hover { \n background-color: #fff; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons, [data-color-mode=system] .iconsdark { \n display: none;\n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .icons { \n width: 28px; padding-right: 7px; \n } \n}\n\n@media (prefers-color-scheme: light) { [data-color-mode=\"system\"] .iconstop {\n width: 36px; \n padding-right: 7px; \n } \n}\n\n\n \n\n [data-color-mode=\"light\"] .icontop {\n width: 36px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .icons {\n width: 28px;\n padding-right: 7px;\n }\n\n [data-color-mode=\"light\"] .iconsdark {\n display: none;\n }\n\n [data-color-mode=\"dark\"] .icons {\n display: none;\n }\n \n\n [data-color-mode=\"dark\"] .iconsdark {\n width: 28px;\n padding-right: 7px;\n }\n \n\n [data-color-mode=\"dark\"] .iconstopdark {\n width: 36px;\n padding-right: 7px;\n }\n \n \n[data-color-mode=\"dark\"] h3,\n[data-color-mode=\"dark\"] h4 {\n color: white !important;\n}\n \n \n\n\n /* Responsive Adjustments */\n @media (max-width: 1024px) {\n .other-row {\n grid-template-columns: repeat(2, 1fr);\n },\n\n .row1 {\n grid-template-columns: 3fr;\n },\n .row-list {\n grid-template-columns: 3fr;\n }\n }\n\n @media (max-width: 768px) {\n\n .row-list,\n .other-row,\n .row1 {\n grid-template-columns: 1fr;\n }\n }\n \n \n\n\n/* Definitions Glossary in HTML */\n \n \n dfn {\n text-decoration: underline dotted;\n cursor: help;\n position: relative;\n}\n\n\n\n [data-color-mode=\"dark\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n \n \n \n [data-color-mode=\"light\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n \n \n \n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n}\n \n \n \n @media (prefers-color-scheme: light) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n max-with:600px;\n}\n}\n \n\n @media (max-width: 1024px) {\n dfn:hover::after: {\n max-width:600px;\n }\n }\n\n @media (max-width: 768) {\n dfn:hover::after: {\n max-width:500px;\n }\n }\n \n/* API Reference Objects, Keys & Fields */\n.Param-nameU7CntAa90Wvb:not(:last-child):not(:only-child), .Param-required2cYbu9SjF2YX:not(:last-child):not(:only-child), .Param-type3QlaE1nrKh1D:not(:last-child):not(:only-child) { font-size:16px;}\n\n\n/*Accordion\nsummary:after { \n content: ''; \n width: 18px; \n height: 10px; \n background: url(\"https://files.readme.io/46a176e7887df52288b2d4ebced3b5655c843def7d0079c94083d3f309783cdf-accordianarrowdown.svg\") no-repeat; \n background-size: cover; \n margin-left: .75em; \n transition: 0.1s; \n}\ndetails[open] > summary::after { \n transform: rotate(180deg); \n}\nsummary::-webkit-details-marker { \n display: none; \n}\nsummary { \n border-radius: 5px; \n}\ndetails[open] summary {border-radius: 5px 5px 0 0;}details { \n border-radius: 5px; \n}\n*/\n\n/*Glossary*/\n /* Glossary in HTML*/\n \n \n dfn {\n text-decoration: underline dotted;\n cursor: help;\n position: relative;\n}\n\n\n\n [data-color-mode=\"dark\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n \n \n \n [data-color-mode=\"light\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n \n \n \n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: grey;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n}\n \n \n \n @media (prefers-color-scheme: light) { \n [data-color-mode=\"system\"] dfn:hover::after {\n content: attr(title);\n position: absolute;\n left: 0;\n bottom: 100%;\n background: white;\n padding: 0.5rem;\n border: 1px solid #ddd;\n border-radius: 4px;\n box-shadow: 0 2px 4px rgba(0,0,0,0.1);\n white-space: nowrap;\n z-index: 9999;\n}\n}\n\n\n/*Save Pages IMPORTANT! */\n[class^=\".SuperHubEditorFormLayout-actions\"] {\n justify-content: left;\n flex:auto;\n}\n \n.rm-Header-link[href=\"/reference\"],\n.rm-Header-link[href=\"/discuss\"],\n.rm-Header-link[href=\"/changelog\"],\n.rm-Header-link[href=\"/recipes\"],\n.rm-Header-link[href=\"/docs\"] {\n display: none !important;\n}\n\n#launcher {\n color-scheme: light;\n width: 109px;\n height: 50px ;\n padding: 10px !important;\n margin: 10px 20px !important;\n position: fixed;\n bottom: 30px !important;\n overflow: visible;\n opacity: 1;\n border: 0px;\n z-index: 999998;\n transition-duration: 250ms;\n transition-timing-function: cubic-bezier(0.645, 0.045, 0.355, 1);\n transition-property: opacity, top, bottom;\n right: 0px;\n}\n\n/*Tabs Active Color */\n @media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .TabGroup-tab_active {\n \n color:#fff;\n border-bottom:#fff;\n \n }\n }\n \n [data-color-mode=\"dark\"] .TabGroup-tab_active {\n color:#fff;\n border-bottom:#fff;\n }\n\n\n\n/*Accordion Color */\n@media (prefers-color-scheme: dark) { \n [data-color-mode=\"system\"] .fad, .fa-duotone {\n \n color:#fff;\n \n }\n }\n \n [data-color-mode=\"dark\"] .fad, .fa-duotone {\n color:#fff;\n }\n\n\na.rm-MobileFlyout-item:nth-child(13),\na.rm-MobileFlyout-item:nth-child(14),\na.rm-MobileFlyout-item:nth-child(15),\na.rm-MobileFlyout-item:nth-child(16) {\n display: none;\n}","js":"// Toggle button to Expand Collapse BODY PARAMS \n$(window).on('pageLoad', function(e, state) {\n setTimeout(function() {\n if (window.location.href.includes('/reference/') && 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'expanded' : 'collapsed');\n }\n });\n const childContainers = element.querySelectorAll('.Param-children1oL5oQqVqcMg');\n childContainers.forEach(child => toggleCollapsibles(child, expand));\n };\n\n toggleCollapsibles(collapsibleContainer, !isExpanded);\n isExpanded = !isExpanded;\n buttonText.textContent = isExpanded ? 'Collapse All' : 'Expand All';\n toggleButton.style.backgroundColor = isExpanded ? '#D32F2F' : '#4CAF50';\n } else {\n console.error('Div with class \".rm-Article\" not found.');\n }\n });\n\n // Add event listeners for manual toggling of each collapsible\n document.querySelectorAll('.Param-expand-button1ktY2S68FWc_').forEach(button => {\n button.addEventListener('click', function() {\n let parentSection = this.closest('section');\n let currentState = parentSection.getAttribute('data-custom-toggle');\n let newState = currentState === 'expanded' ? 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document.querySelectorAll('.TutorialTile-link');\n \n recipes.forEach(recipe => recipeContainer.append(recipe));\n})","html":{"header":null,"home_footer":null,"page_footer":"\n\n\n\n\n\n"}},"header":{"type":"gradient","gradient_color":"#0D084C","link_style":"buttons","overlay":{"fill":"auto","type":"triangles","position":"top-left","image":{"uri":null,"url":"https://files.readme.io/1d742dd-bg-1.png","name":"bg-1.png","width":1920,"height":1023,"color":"#071f3c","links":{"original_url":null}}}},"ai":{"dropdown":"disabled","options":{"chatgpt":"enabled","claude":"enabled","clipboard":"enabled","copilot":"enabled","view_as_markdown":"enabled"}},"navigation":{"first_page":"landing_page","left":[],"logo_link":"homepage","page_icons":"enabled","right":[{"type":"link_url","title":"API 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